BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I refinanced my home with XX/XX/XXXX( aka ) XXXX. They had paid my taxes due for XX/XX/XXXX. Homebridge who was my current lender at the time claimed they also sent my property taxes - Homebridge was in the process of merging - since my property taxes were paid at the close of escrow, Homebrige should have issued a refund for the excess of balance. I have been calling Homebridge for the last 11 months. There first claim was they paid my property taxes on XX/XX/XXXX. I sent them proof that my taxes had already been paid. Every time I would call they would say they needed to get back to me. They called me XX/XX/XXXX advising me the the payment that was made on XX/XX/XXXX was for my XX/XX/XXXX taxes due. I advised them, that is not correct and showed them again the payment was taken from my escrow account from Homebridge. The representative on the phone told me there was nothing else she could do- I asked for a supervisor to return my call and she said, I would have a call within 24 hours. I am 2 weeks still waiting for the supervisor to call. The tax payment was in the amount of $ XXXX since I then, XX/XX/XXXX( aka XXXX XXXX ) requested I proved them with a post dated check to refund them the property taxes and the homeowners insurance. I have been attempting to work with Homebridge to no avail - meanwhile, XXXX filed a law suit for the {$5100.00} & now I have a judgement on my credit report since I don't have an additional {$5100.00} laying around to pay back XXXX. As a consumer, I have no rights, no one is listening to me and it's me against these large companies bullying me and this is all the result of Homebridge not issuing a refund check. Now this is affecting my mental & physical state not to mention now my credit. Who and how do I resolve this and do I need to possible seek legal action. I also need Homebridge to issue the refund & also provide a letter to the courts to have this removed my credit report. I am essentially paying through escrow and XXXX 3 times the amount of $ XXXX and no one cares - I NEED HELP

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
In   XXXX   of 2016     I  XXXX   XXXX  notified EXPERIAN,  XXXX , and  XXXX  they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims. EXPERIAN,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are deb t collectors.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE XXXX 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  has violated my rights XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving phone calls periodically at work from Portfolio Recovery Associates stating that I owe a debt to XXXX XXXX resulting from a credit card account. I have stated that I am a current XXXX XXXX cardholder and know of no past due balance to XXXX XXXX and have told them to not call me. 

Upon further review of my credit reports, I have found that Portfolio Recovery has been doing a soft pull of my credit reports on a monthly basis for a very long time. 

I know of no debt to XXXX XXXX or Portfolio Recovery, and feel that their attempts to collect this debt ( which either does not exist, is an authorized user account under which I have no responsibility, or a time barred debt under the FCDPA ). I am demanding that Portfolio Recovery either provide proof of a legitmate debt, in writing, stating in full to include all pertinent information, or stop harassing me on the phone and stop pulling credit information as I feel that there is not a permissible purpose under the law for obtaining my credit information, and is certainly a violation of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX, received yet another notice as well as many telephone calls over the past months, Portfolio continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XXXX -Called the XXXX number and spoke with XXXX at Portfolio stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXasked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called my income has been affected by covid. All the other banks are offering no interest on their cards to help customers affected by Covid. Capital One wont help. I need help. I have always paid on time, having difficulty this time is not my fault. 

I need a payment plan with no interest for 4 of my credit cards and the walmart credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contact Sequium XXXX XXXX on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/XXXX I went my Wells Fargo branch on XXXX XXXX XXXX in XXXX, California to close my checking account. I didn't need a checking account. The Wells Fargo employee I worked with told me that I was an important customer because I have my IRA with Wells Fargo Advisers. She told me that I  could have a free checking account, credit card, and safe deposit box. I agreed to transfer the balance of my checking account to a savings account. What she didn't tell me was that the savings account has a minimum balance {$3500.00}. I never had a balance that large in the savings account. I never checked my savings account statement because I thought the money was secure. In XX/XX/XXXX I looked at the statement and discovered that {$10.00} had been taken out of my account for many months. Since XX/XX/XXXX to be exact. I complained to the branch manager that I had been deceived. He explained that my Wells Fargo Advisers account does not make me an important customer to Wells Fargo Bank.He refunded me six months of fees ( {$60.00} ) and helped me open a savings account with a {$350.00} minimum balance. He told me he is authorized to refund only six months of fees and he would request I be reimburse for the balance of the bogus fees. Wells Fargo still owes me {$130.00}.

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 monetary relief
Consumer complaint received 2021-10-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. XXXX XXXX. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative XXXX number ( 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 2015-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio recovery calls multiple times a day for a debt that is well over 9 years old. I have asked that they not call me at my place of employment and they continue to do so with the most recent being XXXX/XXXX/15 at XXXX. I would like for them to stop calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I THE AFFIANT SENT A NOTICE OUT XX/XX/XXXX STATING 15 U.S.C. SUBSECTION 1692B ( 2 ) 15 U.S.C.SUBSECTION 1692E ( 10 ). I THE AFFIANT, DIDNT ASK FOR MY ACCOUNT TO BE CLOSED. I THE AFFIANT IS BEING IGNORED. THIS GOES AGAINST FCRA SECTION 623

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 non-monetary relief
Consumer complaint received 2022-03-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I wrecked my car on XX/XX/XXXX and settled with XXXX for a total loss on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX the whole settlement be sent TO them FROM XXXX instead XXXX allowing XXXX to send them their payoff amount and the balance to us. A check was FINALLY sent from XXXX to XXXX XXXX XX/XX/XXXX. 

As of today, XX/XX/XXXX, we still HAVE NOT received our portion of the settlement from XXXX XXXX I have called probably no less than 10-12 times and get the run around every single time. They have to wait on procedure, policy, blah blah. The last time I called, XX/XX/XXXX, I was told that the lease was showing paid ( finally ), and that there was some sort of a glitch, but they still couldn't tell me when we should expect to receive OUR money. They have highjacked our money and are in no hurry to give it to us. 

XXXX told me that most companies just let the insurance company mail the payoff amount to the lender and the balance to the customer, but not this time. It passed the point of being ridiculous about a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This is an official complaint on Toyota Motor Credit. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX XXXX dealership. Upon communication between these XXXX institutions ( dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by Toyota Motor Credit to XXXX XXXX was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships ( Toyota Motor & XXXX XXXX ) to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter on XX/XX/2021 from XXXX XXXX XXXX XXXX stating that I owed PayPal Inc. a debt of {$1200.00}. I have never made a purchase of this amount using PayPal and I need this to be disputed. I do not have a PayPal account and I have never made one before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Early of this year, I have sent totally {$300000.00} to XXXX in XXXX XXXX ( the XXXX and XXXX XXXX  XXXX XXXX ) for investment on different dates. It was turned out the whole investment thing is a fraud. I have reported my case to my local police department ( XXXX, OH ) in XX/XX/2021 ( case number XXXX ). I have also reported my case to FBI, and the Huntington back back in XX/XX/2021. I have reported the case to XXXX XXXX Police Department in XX/XX/2021 too. So far, I have heard some news from XXXX XXXX Police department, and told me that there were some money in one fraudulent account in XXXX. 

Since I have reported my fraud case to the Huntington bank, I have tried to call them and sent email to them multiple times, however, no one has responded. It seems that this fraud has never happened.

Company response to consumer: Closed with monetary relief