BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is dispute to a collection account from Portfolio Recovery Associates that has been in my credit files for several years. The Original acccount is from XXXX My problem is that this same collection item from Portfolio Recovery has been consistently re-reported to my credit file every few months since XXXX, as if to give the impression that this collection has JUST happened each time, most rexcently on XXXX/XXXX/XXXX. I know that collection agencies, specifically Portfolio Recovery does this re-reporting of the same account because new collections on a credit report causes a dramatic drop in your credit scores. I also know that this is a tactic that some collection agencies use to force customers to contact them. This new activity has been even more aggressive because this item has almost reached its date for removal from my credit fle. The problem is that this is a violation of the Fair Credit Reporting Act, and it is illegal. 
This collection account is scheduled to continue on record with XXXX until with XXXX XXXX until XXXX XXXX, and XXXX until XXXX XXXX. 
I have been meticulous in making sure that i resolve all issues that are resolvable to get my credit scores back up, however on this particular account every time i get into the XXXX ranges Portfolio Recovery re-reports this item for a XXXX point or more reduction in all my scores. This is not fair and the satatus has not changed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing '' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in. 

Contacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime. 

Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company. 

THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING. 

All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced. 

I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a closed account on my credit report with SYNCB/LOWES XXXX XXXX XXXX XXXX, FL XXXX XXXX showing a report balance of {$7500.00} I do not know this company, I have never done business with this company and they don't any contract with my signature.

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 2016-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
received notice from collection agency that I owed over XXXX to a credit card from XXXX which I do not have I have never been in a XXXX. This was through XXXX Bank and done of XXXX XXXX. I had just opened an account at XXXX store in XXXX XXXX through XXXX Bank and one month later I receive a letter from Portfolio collection It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have use Speedy Cash SC before for short term payday loans ( XXXX ) XXXX. The last loan I had with them was in XXXX of XXXX. I had the loan deposited into my XXXX XXXX Account but i paid the loans using my XXXX debit card so it was done automatically on the XXXX of the month. Recently, I logged into my account and noticed I had XXXX debit card payments to Speedy Cash on XXXX/XXXX/XXXX for XXXX and another on XXXX/XXXX/XXXX for XXXX. I called the company and told them I had not taking out a loan in several months so I was not sure why they had those debit payments. I called my back and filed a claim for unauthorized account activity. They said I had to follow a police report and make a copy of my photo ID to recovery funds. I believe someone accessed my information without my consent and used it fraudulently ; I had no prior contact before this time from Speedy Cash in regards to money I owed or new loans as I paid the last loan off in XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-05-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX medical center in XXXX a few years ago around XXXX. My experience there was TERRIBLE while on the bed trying to explain what was going on the Dr. Told me I have patients that are dying and that's more important than what's going on with you. She proceeded to walk out and I was discharged while still in pain and nothing was done. My insurance paid for this incredibly neglectful service. As of XX/XX/XXXX the same hospital sends me a collection bill of {$1500.00}. Again I have not one but two insurances, one of my insurances alone covered the entire bill. The dispute was found to be correct my insurance paid this contract but yet they are still going after me for this amount and my credit score has been affected for almost two years as this is the biggest debt I have in collections. It was filed incorrectly, and they are coming after me vigorously and maliciously for a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment via money order to XXXX XXXX & they claim I never made a payment. Not only that but this debt is from XX/XX/XXXX. XXXX XXXX has now decided to send this debt to a credit collection company as a XX/XX/XXXX debt on top of claiming that I never paid them. I have had issues with them in the past including a {$600.00} bill from an old residence that I requested have it 's service terminated. They were unable to get in to suspend service so they charged me for three months service without informing me they were unable to get in the residence. When I asked why they did n't inform me that they were unable to suspend service at the old residence a representative responded with " that 's not our responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Bread Financial Holdings, Inc.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
My credit information was used in another state at a XXXX store, increased my limit and was allowed to charge on me, with out a call to me, When I found out and they sent a card in that persons name to my address a few months had gone by, I never had a billing reflecting it, it is now on my credit report as a charge off and past due 150 days! AND account closed at credit grantors request, all this on my report!. This has harmed me to refinance my condo, I have no negative otherwise on my credit, ever, and I 'm XXXX and go back a long time..I want them to get that off now from my reports.. I do have a open account that I 'm paying on shows no problem, of which I 'm paying off soon and will never do business with them again. I had spoke with them about the allowed charging and thought they were taking care of it for me, and now I find this, I feel this happened in their store by one of their employees, since a clerk from my home town store ordered coat from Illinois store gave my info to them in having a coat I wanted sent to me from their store, and it happened after that ... Please can you help me? Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hello, I would like to draw attention towards Portfolio Recovery and how they have hounded my cell phone voicemail with unnecessary and bogus voicemails with machine robots regarding a XXXX XXXX debt i supposedly owe. I have notififed XXXX XXXX and XXXX XXXX that there was fraudulent activity on my account and that the charged were not made by me. Portfolio Recovery refuses to acknowledge anything I am saying and they continue to tarnish my credit report and attack me and I feel abused and isolated by them. They send me scary letters and keep updating my credit report with false information. I have already frozen all XXXX of my credit reports due to check cashing fraud down against me in XXXX of 2015. My identity was duplicated for some time under a false address and I was unaware as charges lingered. I have been forced to seek bankruptcy counseling and I have no connection to this XXXX XXXX debt that Portfolio Keeps stalking me about. XXXX XXXX is aware of the fraud against me and have closed out my account and I believe that this company is ignoring the FDCPA laws and the FCRA laws and are not verified or dfdeting this fraudulent account against me in order to scare me or hurt me. I would like the CFPB to know that they utilize robotic dialing at XXXX hours and have denied it when I have sent them certified letters asking them to STOP! I do not owe this debt and they have NO right to display ANYTHING under my social security number or on any of my XXXX credit reports! Please have them STOP an have the LEAVE ME ALONE! I have tried fighting this fraudulent account with the XXXX credit bureaus but they all have supposedly verified it and yet U HAVE NO PROOF of an investigation, the results i requested or any ducmonotaion which I forwarded regarding my identity theft was submitted to XXXX XXXX or Portfolio. I am sick and tired of this company abusing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity closed my XXXX card after I paid the full balance without any explanation or reason.

I did nothing wrong.

I would like my card reopened or the XXXX card or inquiry/account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My car was almost in repo from Toyota financial. I talked to a supervisor and he agreed if paid 1 month XXXXto would come out of repo and I could pay the next month at a later date to get it caught up. I ended up paying 2 months through their automated system with a checking account. They can see the payment was set to go through on the XXXX but it came back as u sufficient funds. I need up putting in the routing number, account number but added the check number not realizing your not suppose to put the cHeck number as well. I have the money to catch up the car but they repoed the car today at XXXX. Beyond never told me the payment did n't go through or there was an error.. they refuse to let me pay the car to date and get it back. They want the car in full. It ws a typical error and they know I have the money. So they say they will sell at auction and I 'll owe the money.. why ca n't they take he money to catch it up if I have it and they know that? I do t want to owe money on a car that I dono havem. Both partied will lose money if they do it that way. Not right to efuse money when they know I tried to pay and I told them I have all the money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection company continues to misrepresent the age of this debit. This account initially was delinquent with XXXX in XXXX. They are reporting that the debit was from XX/XX/XXXX to XXXX. XX/XX/XXXX I have a statement that represents that at was at the very least 6-month delinquent. They are not reporting an initial account date with XXXX just that this debit was opened with them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I attempted to settle a credit card debt 3-4 years ago. I negotiated with a company trying to collect and the settlement never occurred. Since then several different companies attempted. Portfolio calls on Sunday morning-evenings, several times before XXXX XXXX and after XXXX XXXX. One month they called between 8-12 times a day for over a month. My phone records can verify this. 
This company never leaves a message other than its name. They sent XXXX notices of repayment after months of annoying, continuous phone calls. They are relentless with no respect for the time of day or night or day they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates have XXXX accounts in my name that are old - and if I did owe the debt was covered by a Chapter XXXX of mine. But they say I owe money on XXXX accounts but can not verify how I owe the money. I have asked for verification and a bill of particulars which that have never provided me in my local district court. Also I have called to handle the dispute - no one will give me a fax number or email address. I have been getting the run around on debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates repeated calls my home telephone without leaving a message and after a cease-and-desist letter was sent. A certified letter with return receipt was receive by them on XX/XX/2015 to cease calls to my telephone. On XX/XX/2015 @ XXXX I received another call from them. This call became illegal the moment they dialed the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a Simple bank customer and loved it. In XXXX, it I was I formed that Simple bank would be closing and that XXXX account would be converted to a XXXX account seamlessly. Again, I want to make clear how much messaging was directed towards customers that the transition would be automatic and seamless. 

Well, the transition has been a failure at every turn. XXXX, along with thousands of other customers, can no longer access their accounts. They were tremendously underprepared for the switch. 

Whats been more disappointing is how they have handled things from a customer service perspective. They direct customers to various numbers, only to be hung up on. Whats more, you can find dozens if not hundreds of videos on XXXX showing customers getting a pre-recorded customer representative stating, sorry, cant hear you, call back! 

I want access to XXXX funds, and I want honesty from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.

Company response to consumer: Closed with explanation