BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: FC HoldCo LLC
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( XXXX ) and they have had no request from Flagship to withdraw the money. 
Flagship will also send me confirmation that money has been received but it was never removed from my account. 
I have been trying to pay off the loan in full and receive the title but have been unsuccessful.

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 2015-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a notice of the right to dispute the debt portfolio recovery associates claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, Portfolio Recovery Associates even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not have any open accounts with this creditor. I did, but settled and paid it off many years ago. I am upset and confused as to why this is appearing on my account all of a sudden.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Opportunity Financial, LLC
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX Il the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
I noticed some collection accounts that were not accurate on my report with Equifax. The 3 collections are from a company called XXXX XXXX. The collection balances are as follows, {$450.00}, {$380.00}, & {$99.00}. I submitted a dispute with them online on XX/XX/2020. I have attempted to follow up I successfully. Online I was given an expected completion date of XX/XX/2020. Today is XX/XX/XXXX and the 3 items in question are still on the report and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For the first time in roughly 2 years, I had used an old credit card from First Niagara for a charge of {$27.00} on XXXX/XXXX/15. The balance immediately began accruing interest and on XXXX/XXXX/15, I made a payment of the current balance of {$27.00}. The following day, the payment had n't gone thru and the balance accrued another {$0.00} in interest. I spoke to XXXX at First Niagara who advised that the payment takes 48 hours to show but when the payment goes thru it will back date any accrued interest thus wiping them off the balance. Once the payment of {$27.00} finally went thru on XXXX/XXXX/15 the additional interest ( which grew to {$0.00} ) was not wiped off as I was initially promised. I spoke to XXXX again who advised that what he had told me initially was not true and that loan would still accrue interest and payments that take 48 hours to process do not get back dated to the date of the original payment and he refused to remove the additional interest even though he admitted his mistake. He assured me though that the balance would not accrue any further interest so I went ahead and paid the {$0.00} balance. Again, when the payment was processed 48 hours later, there balance had indeed accrued another {$0.00} in interest on XXXX/XXXX/15. That same day I spoke to XXXX at First Niagara who attempted to credit my account the {$0.00} retroactive to the original balance date of XXXX/XXXX/15 which she had done. She also advised that XXXX once again provided me with misleading information in that the balance was still accruing interest. She said that she would freeze the account so that it would no longer accrue interest since it was " clear I was attempting to pay off the card. '' I also paid an additional {$0.00} towards the balance that day in an attempt to pay off the balance once and for all. XXXX my payment and XXXX 's {$0.00} credit went thru and my balance was down to {$0.00} on XXXX/XXXX/15. However, on XXXX/XXXX/15, despite the card having a balance of {$0.00}, it somehow accrued an additional {$0.00} of interest. I called again and this time spoke to Georgia, who tied to tell me that the interest was accruing because I used the card. I explained to her that the balance was {$0.00} and asked how a {$0.00} balance could accrue interest as there was no principal balance. She did not have an explanation for this and stated that she would also credit my account the {$0.00} of interest. I asked Georgia to cancel this card because of the aggravation it was causing and seemingly impossible nature to pay it off. It was also disheartening to receive so much misleading information from the representatives that I had spoken with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I terminated a vehicle lease on XXXX. I took out a new lease on a new vehicle that same day. Lexus Financial Services continued to electronically withdraw, for the next 2 months, money from my account to apply to the car which was returned even though I was free from further financial obligation, and even though I went online to close their access to electronic withdrawals. They reported me once late as " past due '' payments to the XXXX credit reporting agencies, then circumvented my web account management to take money from me. Over a dozen calls to them get no resolution : promises aplenty, but no resolution. Their various departments at LFS do not seem to be able to communcate with each other effectively to solve what should be an easy issue : termination of XXXX lease and initiation of a second.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I called Toyota Motorcredit in reference to an auto loan that I had defaulted on. Prior to my default, I had made consistent payments for approximately 30 out of the 60 month loan agreement. I had a house fire XX/XX/XXXX that claimed my home that I was currently renting as well as all of my familys personal belongings. We left what was left of the home with the clothes on our backs. My daughter XXXX and was admitted to XXXX Hospital for XXXX. This incident made XXXX XXXX XXXX XXXX ( PA ). On XX/XX/XXXX, Tragedy struck yet again.. I was traveling XXXX in XXXX County, PA when I was XXXX ... the end result ... XXXX..Thankfully everyone walked away with XXXX due to the fact that I maintained a safe speed during the accident. Insurance company was going to total the vehicle, After explaining that I was unemployed and currently recieving unemployment, they made the decision to repair the vehicle under the stipulation that 1 ) They pay for 30 days of rental coverage and anything thereafter, I would be responsible. This is when all of my financial troubles began. I did infact hide the car because it was all I had left. My intention was always to pay for my car..but when one month turned into three ... then six ... etc ... I was just too far behind to catch up on my payments which were {$530.00} monthly. At the time I purchased this car I was employed with XXXX XXXX XXXX and made almost {$20.00} hourly so it was affordable ... until I lost my job. XX/XX/XXXX, I used a combination of my school refund check ( XXXX University ) and my income tax from a XXXX. When I made the phone call to Toyota, I was transferred to a different department where I spoke to a female named XXXX, I was never informed that the vehicle had been charged off. She asked how much money I had and I told her XXXX ... We agreed on that amount being sent via XXXX to settle the debt. I was offered the settlement via phone and now it is not being honored. My credit Report reflects that I still owe {$1900.00} and they are refusing to release then title of the vehicle to me. I also was not given the mini-miranda. I need my settlement to be honored and my title to be released to me. I made XXXX % of my payments to Toyota via XXXX and have ALL of my receipts including the final of XXXX. However that payment was split into XXXX as I was advised by the representative that I spoke with to do XXXX for $ XXXX and XXXX right after for $ XXXX. I did exactly what was asked of me to no avail of them holding up their end of the settlement deal. This debt reflects on my CR as a " charge off '' and does not reflect the $ XXXX payment that they recieved on XX/XX/XXXX.

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

Complaint:
Equifax had an address for me in California. 
XXXX had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in XXXX  and XXXX. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having serious issues with property escrow information. Serious issues of late payments for XXXX and XX/XX/2020 being reported on my bureaus credit history. I get no response to my emails or certified mails I send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Transferring money out of my Santander checking account during a move because of a previous issue ( closing on my mortgage nearly fell through because of them ) I log into the account to see if all the money has been transferred out to close the account only to find out that pending transactions from XXXX and XXXX posted later without my knowledge, as well as {$170.00} in overdraft fees, one of them being a " sustained '' overdraft fee which I was unaware my account had even over drafted. Called customer support many times to attempt to have the fees removed. After hours of talking politely with different support, I was able to remove XXXX. I 'm still stuck with {$100.00} in overdraft fees for {$20.00} of purchases that I was unaware of.

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 2016-05-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It 's with Nissan of XXXX 's debt collector. They just keep calling and wo n't stop either. From XXXX different numbers they have called and everytime the people are very rude and not the nicest either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was misled by Santander Bank about the extra 20 checking account. I would n't have opened the checking account and moved all of my banking if I knew that the promotion was temporary.

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 2017-01-26
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter of escrow shortage from Flagstar Bank who is handling my mortgage payments. The escrow shortage has made my monthly mortgage payment increase over $ XXXX/month. I closed on the home only 6 months ago and the taxes, mortgage insurance, and homeowners insurance are all the same as when they were a few months ago when I closed on the home.I discovered on my annual escrow statement, Flagstar has the incorrect insurance premium amount being calculated for escrow ( approx. double what my actual insurance premium is ) My insurance premium was paid in full when I closed on the home. It also shows the correct amount of paid in full on my closing disclosure. Everything else matches up with my closing disclosure numbers, yet no one at Flagstar Bank seems to be able to tell me why there is such a shortage of the escrow and what caused it. Flagstar then re-ran the escrow analysis a second time with another incorrect insurance amount. Which resulted in my monthly mortgage payment still being over a {$60.00} increase per month. This has now been going on for 3 weeks and it still has not been cleared up. Someone at Flagstar Bank entered incorrect information that caused this increase which is incorrect and now it seems the are unwilling to re-run another escrow analysis when it was their error internally in the first place. After all of this for now almost 3 weeks, no one at Flagstar has been able to give me a straight or deifinitive answer as to why there is an such a drastic escrow shortage that increased my monthly mortgage payment so much. I have all my documentation from fully paid homeowners insurance, closing disclosure and tax information. Which is all the same as it was 6 months ago in XX/XX/XXXX when I closed on the house. Yet no one at Flagstar can give me reasons why the incorrect insurance information is in my account and why the escrow shortage and increased monthly mortgage payment. Please help, as Flagstar has been no assistance so far.

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 2015-04-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Portfolio Recovery in earlier XXXX after I became aware that they were the collection agency that own XXXX of the XXXX accounts listed on my credit file that do not belong to me. As of today I have n't received any of the requested information, although the letter was delivered XX/XX/XXXX XXXX? XXXX. 
According to the information being reported in the account which was supposedly opened in XX/XX/XXXX with a date of first delinquency of XX/XX/XXXX, unfortunately without the assistance Portfolio Recovery, I can not take any concrete steps to have the inaccurate information remove from my credit file. Not only the company ignore my request, the debt was validated with XXXX on XX/XX/XXXX reported as if it was a new delinquent account. 
I recently start new monitoring services with both XXXX and XXXX, I have received multiple alerts that I recently fall behind on payments ; however after I logged into my account, I could not find the source of the alerts without buying a new credit report, since I already get my free report for this month. This morning I received an alert from XXXX after carefully review my report I realized that the reason I was getting this alert with affected my credit score is because the disputed charges were being validated and reported as if they were not only valid but delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: ERC
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon reviewing my XXXX credit report I noticed XXXX discrepancies on my report been reported from Independent Recovery Resources. According to this company they are a debt collection agency which whom is collecting a debt from XXXX XXXX. I never had an account or business with XXXX XXXX. I disputed this account in the past and they ceased reporting me but again they have came back. Independent Recovery Resources is affecting my credit and affecting certain aspects of my life due to this negatively reflecting on my credit history. Independent Recovery Resources reached out to me in the past ( a few years ago ) and never clarified what this was from but continued harassing me, I disputed and now again like I stated they are reporting me. I have not received any contact from this company in a while so I do not understand why they are back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Portfolio several times to ask to show proof that this was my debt and they can not provide any information. They had removed it from my credit during the beginning of the year and now it is back on report. See attached correspondence and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I 've had serious issues with Comenity Bank rejecting my payments and reporting me late to the credit bureaus over it. I am under hardship programs to get my my balances down, due to the fact that, constant XXXX ups with the and then they claim that it was my bank rejecting the payment. My bank got involved and stated that any rejected payment would have had me paying fees, which, there was not. Some of my accounts would take the payment out just fine, but, then there were others, with the same exact bank number, they stated, the bank rejected. I filed BBB complaints on several times and a lady said she was removing all lanes from my credit report and the late fees. She told me that it would take a few billing cycles for both to clear. She removed the fees but, in the end, decided that she would n't remove the mark on my credit reports. During the year of 2016, many time when I would go and log on to my different accounts, the site would n't allow me to make payment and even, at times, would n't allow me to log in with my correct info. I found that the sites would suddenly work AFTER my due date, which, gave them another reason to apply more late fees. I decided that putting ( XXXX ) of my accounts in a hardship program would help me, because, they would drop my interest rate and I would be able to auto pay with them. This company does NOT offer auto pay on their websites, but, they will if you got on XXXX of their programs. Over the past few months, I noticed that I would get credit report alerts and when I checked, Comenity, even after me being on their hardship programs, would put a late on each month. Now, nowhere in any of the conversations with several customer service representatives did they mention that they would place a late on your credit report as they put you on their program. If that were the case, I would n't of ever signed up. There is even a computer that discloses all that we agree to at the end of the call and it never mentions this. I 've checked online and I have noticed that everything I 've gone through, there are tons of pages of complaints of it being done to others. It is not fair that they punish us and punish us without telling us that in our agreement. I even have the agreement on paper and it never stated that we would be reported to the credit bureau while on the program.

Company response to consumer: Closed with monetary relief