BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not really sure who to complain about. I was delinquent on XXXX Capitol One cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing Capitol One, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX XXXX XXXX, attempting to collect. I looked at my credit report and saw that both Capitol One AND XXXX were listed as companys that I owed. When I contacted Capitol One, they told me that they sold my debt to XXXX XXXX. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented Capitol One? If so, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am contacted daily, sometimes twice in a single day, for a debt that is now 7 years old! They had started off calling my home phone, but now call my cell phone using multiple different phone numbers so I ca n't block them. I have told them numerous times that they need to stop calling, especially since the statute of limitations for collecting is past, but they ignore me! There are also many times that I answer, and it 's automated telling me to call them back. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

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 2016-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 've been repeatedly called and sent mail from this company stating I owe money to a bill I do not recognize that originated in 2001. I told them verbally that they have the wrong person and to please stop harassing me. Additionally, I 've asked them to take it off my credit report, which they refuse to do. 

I try very hard to take care of my credit rating and am upset that a debt from 14 years ago ( that is not mine ) has stayed on my report that long. Thank you for any assistance in clearing this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a lease with Toyota Financial Services and purchased the vehicle after the lease was over. I purchased through another finance company in XXXX XXXX. In XXXX XXXX I received a tax bill from my city for approximately {$30.00} ( which covered the month of XXXX of year when I owned the vehicle ). I paid the tax bill and immeditaely called Toyota Financial Services to find out what I would owe to them for property tax. I was assured by the representative that my account was paid in full and I did not owe any taxes. I explained to the reporesentative that I should owe taxes for XXXX for the amount of time the vehicle was leased. She assured me that I would not owe any taxes. All a sudden a month ago I received a letter stating my account would be in collections if I did not pay the taxes owed. I called Toyota Financial and they advised it was for property taxes. I advised them i was told I owed no taxes and they said the information was incorrect. I asked for a copy of the tax bill because the amount they provided seemed too large to me. They advised I would have the bill within XXXX48 hours by email. It has been 2 weeks and I still have not received a copy of the actual bill from the county. I called again today and was told they were not sure why the request was not put in but they would put it in again today. She said they are backed up and would have it to me in 72 hours. I am afraid my account is going to be sent to collections and will affect my credit and they are not helping me prevent that from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They mail some photo copies of some bill statements and i have ask more then once for them to send any sign paperwork to show that i owe the debt or that they even have any sign agreement with any creditor i still have n't received anything yet in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: AES/PHEAA
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 XX/XX/2022 I started dispute processes with XXXX, XXXX, and XXXX to dispute the XXXX open Fedloan Servicing accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with Fedloan Servicing who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called Fedloan Servicing in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. Fedloan Servicing has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to zero out the balances with Fedloan Servicing and closed the accounts. XXXX has failed to correct my credit report because Fedloan Servicing is reporting to them that I still have a balance with them and that the account is still open, this is false, although my Fedloan Servicing website dashboard shows loan balance as {$0.00}, Fedloan Servicing is still reporting inaccurate information as if my student loans are still held by them and their not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received an offer to open an account with TD bank and opened the account in XXXX of XXXX. In order for the account to not incur fees I needed to maintain a minimum of XXXX between checking and savings. I met this requirement with my initial deposit and was also informed even though it would take a few days for funds to show no account fees would be charged the first 40 days after account opened. 

I was charged a fee the first month the account was opened. I called and agent reversed the fee. I asked her to check account to make sure I was meeting all requirements and she said I was and couldnt determine why I was charged a fee. 

I told her there could be a broader issue and fees are incorrectly being charged to more than just my account. Its unlikely this is a one off. But she assured me it was and I should t be charged a fee again. I am reaching out to the cfpb because I was charged a fee again despite meeting all requirements to be a no fee account and I do believe this fee is incorrectly being charged to multiple accounts and TD is only crediting customers that call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I bought the phone from XXXX on " XXXX XX/XX/2022 '', as phone was heating up a lot, and battery consumption was not normal, I retuned the phone on " XXXX XX/XX/2022 '' with the label provided by XXXX. 
I dropped the phone in XXXX registered drop off location, hand it to a person at that location. 
Address : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. 
Please check the attachment as a proof. 

After a week when I didn't get the refund, i called XXXX, they said, they didn't receive the item. and its almost a month talking to customer rep, but didn't get my refund of {$820.00} that I paid from my XXXX TD finance. 

I raise a dispute in TD bank, but they are saying, i need to make the minimum payment every month until the dispute is resolved. 

they are forcing me to pay minimum amount every month, for which I am not liable, as I already returned the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2017-08-15
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I closed on a property on XX/XX/XXXX financed by an FHA 203K renovation loan ( {$170000.00} purchase + construction = {$230000.00} loan amount ). The intent was for the house to be my primary residence following construction. The General Contractor submitted a zoning permit application to the local township on XX/XX/XXXX. The zoning permit would then be submitted with a building permit application to the county. On XX/XX/XXXX, we received a denial based on the fact that the existing use of the property, though single-family residential, is a non-conforming use on a Commercial zoned lot in a Commercial District. This was shocking to me since it was sold to me as a single family home! Commercial zoning was not noted on the property listing, appraisal, tax records, title paperwork, etc. I notified the representatives from the title company, mortgage company and my real estate salesperson on XX/XX/XXXX via email and subsequently spoke with them on the phone. Due to the complexity of these issues, I retained an attorney on XX/XX/XXXX and he began communicating with the mortgage company on XX/XX/XXXX. I found out just a few days ago that the loan has been sold! The new company servicing the loan expects my first payment in two weeks on XX/XX/XXXX on the full amount of {$230000.00} even though no construction was done! During settlement I was told that the loan would be sold but that it would n't happen until after all renovation work was completed. The timing of the sale of this loan is highly suspect. Also, apparently the lender did not pass along accurate and complete information to the new servicer. I am now in a position where I own a property on which I can not do construction and in which I can not reside. I also can not use it as a commercial property, even if I was inclined to do so, because my loan is based on this being my primary residence. And I now need to make mortgage payments on a property I ca n't use while paying rent for my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: JAMES B. NUTTER & COMPANY
State: HI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have rescinded this mortgage notified lender and loan servicer by way of mail, 20 days has past since rescission of loan but no response only continue collection activities to harass and oppress. Loan servicer and debt collector Jame B. Nutter continues to collect this debt and ignore my rescission and demands for validation and verification of an alleged debt that they are attempting to collect. 
XXXX XXXX Mortgage XXXX XXXX is no longer in business and is barred from engaging in any activity concerning financial products or services to consumers because of fraudulent activities. 
Debt collector James B. Nutter has violated the Fair Debt Collection Practice Act not just once but several times specifically 15 USC 1692g ( a ). 
Debt Collector James B. Nutter has used and shared private documents publicly without any prior consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i received a bill from portfolio recovery associates , llc, i contacted them, was told because i gave them no information that they would report i verified this debt.i then sent portfolio three certified letters asking them to verify the debt, to send me proof that i entered into an agreement with them and for how much they purchased my charged off account for and to cease reporting negatively to the credit agencies.was sent papers by portfolio from the original creditors but nothing from them and when i called to ask why was n't anything given was told to file a dispute again at which time i informed them i would not that they had more then enough time to respond to my request and that ill be filing a complaint against them, i was hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery continues to call my cell phone several times a day from different long distance phone numbers each day including Sundays. I explain that I 'm not able to make any arrangements at this time and they continue to push me about payments until I get upset and have to hang up the phone on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MA
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:
DEAR XXXX XXXX XXXX FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home loan with NACA located in XXXX Ma. I was approved for a mortgage for 90 days and wanted put an offer on a house. My mortgage rep left XXXX XXXX, and I could not get another appointment until after my 90 was up on XXXX/XXXX/XXXX. I was called right before XXXX/XXXX/XXXX and told my new consultant left and my appointment was moved to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the secretary tried to bump me from my XXXX/XXXX/XXXX appointment for another customer. I told the secretary I would be there XXXX/XXXX/XXXX @ XXXX. I went the appointment XXXX and met the office manager XXXX XXXX in the XXXX office. I was told my file was reopened. I submitted all of the paperwork for the loan on XXXX/XXXX/XXXX, my credit was rerun and my membership due paid again. I was told the process would be easy because I had been approved prior. I was also told I would heard back in 7-10 business day with the amount I was approved for. I have not hear back as of today XXXX/XXXX/XXXX. I called the XXXX office, the XXXX office, and customer service with no follow up by mail, email, or by phone on the company 's as to the status of my loan approved amount until last week. I was told my file was never reopened even after the 2 hour appointment with the office manager. I have all of the submitted paperwork. I keep emailing and no one is assisting me. This process not only caused me to loose the house I really wanted, but more importantly, the interest increased one full percentage point, that will cost me hundreds of dollars over a 30 year mortgage loan. I need your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX bank about my amazon acct stating this is an attempt to collect a debt. Called the number on the letter and it is Portfolio Recovery who I already paid the debt off to in XXXX on the XXXX acct. They reposted the same debt on my credit report and are trying to collect the same debt from me twice under a different name. I reported this to the credit bureaus all but XXXX will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment lending creditor who has failed to properly report information to my credit bureau. This has happen with the past XXXX loans I 've had ( XXXX of which have been paid off successfully ) I 've opened up disputes and they have failed to resolve. Even thought they advertise on their website they report to credit bureaus. Also, I have a feeling that I may have been not given the best rate when I applied for another loan as my credit history was not correct and their paid off loans were not reflecting. I 've been trying to work with Rise for more than XXXX days and they have failed to resolve my issues

Company response to consumer: Closed