BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-30
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: Finance System of Richmond, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I refinanced an existing home loan with Umpqua Bank in XXXX this year. Since then I have been on the phone for several hours trying to get my insurance and auto deposit set up correctly. In the last two weeks Umpqua has taken XXXX full mortgage payments from my checking account but not at the date they specified. My insurance company says that my balance with them is short {$60.00} but when I call Umpqua they tell me the account is fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Fitzgerald Goldman & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Some company continuously calls my house phone, cell phone, and other family member 's home phones who do not live with me. They leave messages as I never pick up, and today they said they are going to review my assets, and listed my current vehicle and a vehicle I no longer own as what they will be reviewing. They also mentioned something about rent or where I live, and I 'm really annoyed as I do not know what the debt even is. They called today around XXXX EST, left that message and said I have 24 hours to respond, which I did not do, and do n't plan on doing. They called me MONTHS ago, but threatened to have me arrested if I did n't comply. I spoke with them back then, and they would n't give any information ; they sent me a botched looking email when I demanded physical paperwork for the debt. 

They also are calling from a different number currently ; right now, it 's XXXX, before, it was an area code from a different state, far XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Contact Transunion about a glitch that they had in XXXX they deleted my collection and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX he replied that they had an issue with XXXX but it is fixed right now that my credit score was not hurt with this issue and I told the representative that I do n't have XXXX I have XXXX which is a company that I pay {$15.00} dollars a month that monitors my XXXX credit bureaus along with the fico score and that I called them first to see what went wrong why they put the collection and inquiries back and they told me that there is nothing wrong with their website that they only report what XXXX, TRANSUNION AND XXXX report to them and that my score, collection and inquiries remained the same for XXXX and XXXX that the only issue was with Transunion and XXXX is from XXXX so that 's why I called Transunion and the representative did not wanted to help me he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XXXX,,, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX , ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX Account reporting with a a balance of {$500.00}, a past due of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both Transunion and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would like the remarks " Dispute resolved ; customer disagrees '' for XXXX and XXXX because i no longer dispute or disagree also would like the " Dispute resolved ; reported by grantor '' by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. 

After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. 

The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. 

I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2016 I disputed an inaccurately reported account with all XXXX credit bureaus, TransUnionXXXX via online and also with the creditor via US Mail on XXXX XXXX, 2016, with XXXX XXXX. It has been more than 30 days and it was just reported today, XXXX XXXX, 2016 as still derogatory. It previously stated that it was being reinvestigated and I never seen any results of the said investigation. I believe that XXXX broke the law by not properly reporting their findings to me, the consumer, yet they did to the Credit Bureaus. This company is notorious for not responding within the 30 day time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On some accounts its showing that I had a late payment one month ago but the account have not been late in over a year and this one month reporting is dragging my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told Wells Fargo in 2017 that my identity was stolen and that the transactions were fraudulent. They closed my account and they took all my money in the account and my direct deposit, approximately {$600.00}, that was deposited into my account after the account was closed. They refused to give me my money back and submitted the account as a charge off with bad debt. Since 2017, they have been updating the account as a charge off every month and that is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collection for {$600.00} not aware of the debt and the company it was originally owed to. This XXXX continues to harsh by multiple phone calls. 

This debt has been on my report for a very long time affecting the report by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from regions bank on my cell. The caller ID showed as regions bank. The man told me my checking account was being accessed from a strange IP address and regions wanted to verify if it was me or fraudulent activity. 
He knew my name and of course my phone number and home address. 
I was just finishing up my work day and was in a bit of a scramble so when he asked to verify my login info ( he said the hacker may have changed my information ) I didnt hesitate and told him my user name and password. 
Next he had told me they were attempting a transfer from a cash app called XXXX and said I would be getting a text with a code and I read the code back. I told him I had to pickup my daughter and was running late and the call ended. Moments later I had an email from regions stating I made a payment to XXXX XXXX for {$790.00}. 
I called regions immediately and they said they could not do anything while the payment was pending. 
The very next morning I took off work and my husband and I went to the local branch and they closed my account for me. Opened us a new account. And she said she filed a dispute over the charge. 
Then the dispute was denied I guess because I gave my information out. 
But it was regions bank calling me, and they already had my information XXXX didnt know they could do that. {$790.00} is an entire mortgage payment for us I do not have that kind of money laying around. 
Regions will not refund the money but shouldnt they have responsibility with someone using their phone number? This XXXX app has no responsibility? I had to freeze all my credit, borrow money for our mortgage payment, I contacted XXXX that night and they wont do anything but cancel the email address from their system. I called the bank almost immediately after the transaction happened and they made me wait over 12 hours to file a dispute because the transaction was pending. They couldnt stop the payment? We are in the middle on a pandemic and they couldnt do anything to help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief