BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was sent a letter with a payment arrangement for a credit card they purchased. I was then told over the phone another amount I could pay for another card they had. The following month after this discussion I begin to pay on the 12 month agreement we discussed. When I send in the payment I put the account numbers on the the XXXX separate money orders. Today XXXX/XXXX/15 I received a call at my home telling me they had no arrangement on file and that was not enough to now pay off the debt. Also I have never been shown the proof of the actual bill, and now they are going back on an agreement that they mailed to me and said over the phone. I will continue to pay another XXXX payments however do not want to be harassed by them anymore. 

When speaking with XXXX separate reps on the phone I had given the information I was given by phone and by mail which I needed to pay to satisfy the debt. Now I am being told that it is not enough money meanwhile I have also never been given any proof of the actual debt and I am paying. I pay out of fear that someone could freeze my bank account or garnish my wages cause this is what I have been told and it has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion displays innacurrate employer information on report i do not work for XXXX XXXX. I work for 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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from a relative stating I had an threatening phone call from Portfolio Recovery. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in 30 days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since 2007. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
1.I have never had XXXX  LOANS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score 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 explanation
Consumer complaint received 2016-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates continues to send me collection notices for I debt that I do not owe. I 've advised them numerous times to stop sending me letters and they continue to send them to me. They were also calling me on my cell phone multiple times a day without my consent. I advised them at least twenty ( 20 ) times to stop and they did not. I ended up blocking their calls so I am not sure if they are still trying to call me. The latest letter is dated XXXX/XXXX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is a follow on complaint for XXXX / Campus Partners. For over ten years I assumed my loans were in posession of the federal government and still in deferment. After notice of a late payment, without warning, I had learned that a portion of my loans were now in posession of this private company, I had been charged a late fee, and my credit rating had sufferred accordingly. 

The company website is almost unsable, to the point that making a payment is virtually impossible. Tens of login attempts failed and there is no clear indication that a certain browswer must be used. Tens of time-out errors occurred. My information disappeared and reappeared from their database. I was not eligible to set up autodraft payment for no apparent reason. No place on the website shows a repayment schedule, a monthly due date, or similar pertinent information. The website 's poor operations are clearly to the advantage of the company, as it discourages timely and organized payment from customers. 

Fees are exorbitant. I was charged a convenience fee of {$180.00} to pay off my loans in full ( my total balace with the company was less than XXXX ). A one time processing fee from a debit card is {$60.00}. 

In sum, the company is clearly using a federally protected revenue stream to an unseemly advantage by setting up hurdles for payees, creating headaches for those in good standing and likely undermining the well being of those less financially secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting fraudulent information on my credit report.

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 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed  a 90-day ale rt on all  XXXX  credit bureaus in  XXXX .     While on signing up for the TransUnion alert, Transunion 's online site asked if I wanted to " lock '' my account. I clicked this feature.     This week, my bank attempted to pull a credit report for completing a credit card application. However, TransUnion is showing an account " freeze ''. When I called TransUnion freeze  XXXX  phone number, they said that I only ha  ve a 90-day alert ( no " freeze '' ) but the online " lock '' will show up as a freeze to others. They directed me to another phone number. Then I was walked through the " unlock '' via online and told to wait 15 minutes.
After 20 minutes, my bank was still unable to access my credit report and TransUnion was requiring a PIN. I called TransUnion again and was transferred or told to call 4 different people, bouncing me between the online TU dept and the Fraud Assistance Dept.
Online TU dept is saying the lock is showing as off and sending me to the Fraud Assistance Dept. The Fraud Assistance Dept insists that any issues from using online lock feature must be solved by the Online TU dept. I 've b  een trying to solve this issue for o ver 2 hour s and bounced between various phone numbers ...  XXXX ,  XXXX ,  XXXX ,  XXXX  ( sent this direction 2 times ), and  XXXX  ... and attempted to talk to a supervisor at th  e Fraud Assistance Dept ( who said he could n't help either because there is no " freeze '' on my account ).
Worst system that I 've ever seen. Worse yet since I have to depend on these credit bureaus to fight off an identity thief attempting to open loans and credit in my name. Curious if I 'd have all these issues if I was willing to pay TransUnion for their service ... sure seems like a play to force victims of id theft to pay TransUnion to avoid staying a victim ( even one to Tra  nsUnion treatment )!

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 2022-08-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan online with lightstream a couple of years ago the process great. Me and my wife completed a joint application two days ago for a loan. We got an email stating to call company to answer a couple more questions. I called company and was ask some general questions about what were going to do with money ( home remodel ) and had we made any major purchases. The representative seemed hesitate while asking questions. I then get a denial letter stating that are income was not enough to cover the loan. I called back to ask about the income and the ratios of our debit and was not given a logical reason for denial. I ask to speak with manager or have loan review by someone else because I felt like we were be discriminating against. XXXX the representative said that she didnt know who could handle that at company and she had be working for 7 years and had never seen discrimination, dismissing my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX  OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2023-07-22
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$120.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX  XXXX {$350.00} XXXX   XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As the result of the complaint I filed against XXXX and they sold my Loan to Select Portfolio Servicing , Inc with my monthly mortgage still going up. They want me to pay XXXX a month for a house valued at XXXX maximum. I am petrified to try again to get a loan modified or try keep my home. I contacted a counsel from the Homeowner Hotline she and I spoke with representation for Select Portfolio Servicing , Inc. asking for a short sale. They agreed finally and gave me XXXX XXXX a Real Estate Agent they use from out of Georgia. He came out to my house, took pictures and place them in XXXX along with a sign in my yard and a key in the lock box on my door. Select Portfolio Servicing is telling me that they did agree to the short sale or any other arrangement relating to my house. I have taken all of their calls early in the morning and in the evening hours repeating my intentions and sending any required documentation to them. My desired resolution is to put all of this behind me and the opportunity for a short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Dominion Law Associates, P.L.L.C.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
consumingIn XXXX we talked about my debt. Then they call me again in XXXX. 
Using treating language, and failed to notify me of any court dates. 
I am retired and live on a fixed budget. I told them this but they persist and got a Judgement of 6 %, that they charge anytime they like. Plus change me for the court case, so all the money I pay was consumed by their tactics. Some of what they do should not be legal or allowed. If I am paying then they should not be consuming it up with legal fees. They company who hired these crooks is responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I settle with this company, accordance with fair credit reporting act XXXX  credit acceptance corp XXXX violated my rights. 15 u.s.c 1681 section 602 states i have the rights to privacy. 15 u.s.c 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish account without my written instruction. I would like it to be removed from my credit report.

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 2016-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
on XX/XX/2016, I received a call from a person by the name of XXXX from the law firm of XXXX XXXX, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents Portfolio Recovery Associates and she was calling to negotiate on their behalf. Based on information provided to me by Portfolio Recovery Associates one month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing Portfolio Recovery, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within XXXX hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that XXXX had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.

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