BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: World Omni Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the ight to privacy. 

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

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by portfolio Recovery Associates, or at least they claim to be. The lady claimed to be trying to collect a debt from XX/XX/XXXX. The debt was originally with, supposedly, XXXX XXXX. They stated that it was charged off in XX/XX/XXXX. And that portfolio recovery Associates picked up the debt. In XX/XX/XXXX, I pulled my credit report and with the assistance of a loan professional, I went in and paid off all debts on my credit report. At that time, if there were an outstanding bill from XXXX XXXX, it would have shown up on my credit report and it would have been paid at that time. I did tell the woman I was speaking with that I had paid everything off my report in XX/XX/XXXX. She informed me that this debt would not have shown up on my credit report, but that it was a debt and it needed to be paid. I told her that I did not feel comfortable paying a debt from XX/XX/XXXX and that I could not verify by looking at my credit report. She repeated to me several times that it would not show up on the report. I told her that just did not make sense to me. She stated an unfamiliar address, an apartment address. I have lived in apartments in the past, but I did not recognize that address. I told her that address could have been a made up address. She was unable to tell me the phone number that the bill belongs to. I told her that I did have a landline in XX/XX/XXXX, but in XX/XX/XXXX everyone basically had a landline. I told her that it did not make sense. Long story short, she repeatedly requested payment and said it was my debt. I told her that I did not believe that was my bill, it could not be verified, and that I was not paying her any money. She stated that she was going to notate that in my record, and to have a good evening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XXXX I mailed a typed letter to Portfolio Recovery Associates to politely inform them that my company did not permit personal phone calls and to request they stop calling my workplace immediately as their contact could possibly imperil my job. 

Since them I have received a call on XXXX from XXXX, one on XXXX from XXXX, and one on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her jollies off at upsetting peoples day. I was at work and have a family to provide for. This is complete bs, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've received XXXX letters and daily phone calls from a company named Portfolio Recovery Associates , LLC. They say I owe {$260.00}. For something I bought from XXXX XXXX 's. I responded to their letters asking them to please provide me with proof of purchase. They sent me a blank form of verification of debt, which they want me to give them all my personal information and have it notarized. That 's not gon na happen! I almost never shop at XXXX 's. I have n't used a XXXX 's credit card and I normally pay by check. If I did owe XXXX XXXX 's for a purchase would n't they have sent me a bill? All I 'm asking them for is proof. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
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:
On XX/XX/2017 pursuant of the FDCPA, I requested validation of a debt that Portfolio Recovery Associates is attempting to collect. The company failed to respond and they have continued their collection efforts. 
The reason I requested validation of this debt is because I am not even certain who the vendor is that managed the XXXX BANK account. XXXX BANK offers credit products for many companies and the name on my report is very vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted this agency for validation regarding XXXX debts that they claim I owe in the amounts of {$460.00} and {$480.00}. I have no knowledge of these accounts and they both have been disputed. To date they have only sent bill statements and nothing more and have done this twice claiming that was how they validated the account. XXXX is not acceptable for me. I am requesting that they send proof that I am indeed who they are saying owes this debt by sending a contract or agreement with my signature rather than a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Constant phone harassment, late/and or dozens of calls in same day. Constant machine dialing our number and hanging up when answered, sometimes within XXXX seconds of another. Most often these calls happen every XXXX minutes and with my husband being XXXX and I have been ill for about XXXX months it gets hard to get up and answer. This has affected calls from others due to not having the call thru feature they get busy signals. They Ignore requests to stop calling. ABUSIVE conduct for an ILLEGAL OUTDATED DEBT from approx XXXX. Calls placed to another phone that is charged per call and still refuse requests to stop abusive communications. The company calls from a phone number until I find out what is is and block the number, The company then calls from a new phone number until I block that XXXX, this goes on and I now am estimating the I have XXXX or more different phone numbers for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continuously calling my employer. I 'm not allowed personal phone calls and they call during work hours and after work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
We are leasing a XXXX Toyota Camry the lease is up XXXX XXXX. All of our paperwork from Toyota says that our vehicle is a 6 cylinder vehicle. We were also told that it was a 6 cylinder vehicle. We wanted to purchase the vehicle at the end of the lease and then wholesale it. We had it looked at by a mechanic and he informed us that it is in fact a 4 cylinder not a 6 cylinder. We contacted Toyota and after several phone calls they said that it was a typo but were willing to give us {$500.00} for the mistake. They are saying that that is the only difference between the XXXX cars. In fact it is closer to {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account number, # # # # # # XXXX account name XXXX XXXX violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
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:
A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have a Total Rewards card serviced by XXXX. Over the two years I 've held the card, I 've had to contact them at least three times to reverse late fees because I did not receive an email notice of payment due, even though I 've been on paperless billing and should be getting those emails. Their representatives always assure me that the notices will be sent, but they never are. It 's been a full week now and the most recent late fee and finance charge is still showing on my account. I never knowingly leave balances on my credit card accounts. Due to the problems with XXXX, I 've purposely avoided using this one ( no voluntary use since XXXX 2016 ), but there was an automatic subscription renewal charged to it in XXXX, which I did n't discover until I went to search old statements for something unrelated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Letter to complain. 


Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area. 
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Banking employee agreed to aplly a fee reversal of {$99.00} and he didnt make a effort to finalize that credit and union bank has charge XXXX XXXX overdraft fees with no covered sercvice and banker said the computer wouldnt allow that fee credit of my XXXX dollars and hes was very treatning and scaring me and forcing closer on my account and takinng my banking account prevalige away and iam XXXX and on fed govert XXXX and ssplimental security state payment s and iam very shoke up after my visit to the XXXX branch my name is XXXX XXXX XX/XX/XXXX co joimt truttee payee account co/XXXX XXXX XX/XX/XXXX act # XXXX time with union bank since XX/XX/XXXX with cheking account and direct doposit co overdraft coverage and line of credit or fare treatmejt i was treated discrimated on my vitit i dont remember the guy banker employee name and i lost out on the XXXX. XXXX dolars wnen it was aproved by banking guy emplyee for fund credid XXXX and i still l need that XXXX please i was trated very porly i am a XXXX man i would like that monyey thqt the banker couldnt aplly plese call me XXXX XXXX XXXX and i hav e subm8ted a formal online telephone complaint on union bank customer support servises about last week with XXXX in the retail sales dept with union bank on XXXX complaint confirmation # is XXXX please fix this issue before i enforse my XXXX rights with XXXX dept fair banking with XXXX client XXXX attorny general .gov

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage with XXXX was transferred to XX/XX/XXXX to Caliber Home Loans. I was not aware of this til XX/XX/XXXX of the transfer, effective for XX/XX/XXXX. I have never in the course of my mortgage contract missed a payment to XXXX, nor later Caliber. XXXX accepted my monthly payments and I noticed XX/XX/XXXX that my XX/XX/XXXX payments were placed into an UNAPPLIED CASH ACCOUNT. I went to XXXX in person, called and sent written communications to XXXX, then Caliber outlining the issues, without receiving resolution. XXXX refused to correct the mis-applied funds. Caliber XX/XX/XXXX demanded payments from XX/XX/XXXX and demanded that I also fund ESCROW. I had always paid my County taxes directly and had done so for XX/XX/XXXX. Double payments made, and the County sent the over-payment funds to Caliber. Add insult my account was not credited. Litigation was inacted XX/XX/XXXX since Caliber refused to apply my mortgage payments, instead placed all my payments into escrow and unapplied funds. A settlement was made and Caliber was to correct the account and make current by XXXX. They failed and refused to acknowledge the errors and apply the funds. I continue to make monthly payments which are not applied to date ( XX/XX/XXXX ). XX/XX/XXXX my checks are either returned to me with a note that they will not accept payment, or sometimes cashed but not applied to my account. I recieved a notice from a Mortgage Rescue company that made me aware that Caliber unlawfully filed for foreclosure, listed my occupied home for auction placed my home on the market for sale on XXXX, without notice or court approval. My attorney was contacted and Caliber refused through counsel to rectify. Law suit filed in XXXX XXXX Ohio XXXX for breach of contract, fraudulent mortgage practices, intent to defraud me of my home, XXXX, financial and personal damages. They have ruined my credit, caused me additional losses with taxes and deductions, unable to refinance or obtain credit due to the negative reporting, the stress and fear of losing our home. The attorney fee ( s ) over the last three years to fight this unlawful mortgage practice of defrauding homeowners. If you like a copies of the monthly communications to Caliber they are available, including the contact information for my attorney. I have checked and Caliber has been sued, prosecuted and repeatedly done this to homeowners. I am sure that XXXX has been swapping out Mortgages which is all part of the mortgage crisis created with the intent to defraud and divest honest homeowners. XXXX Bank sells the mortgage to fill their coffers, then gives to a collector like Caliber to literally steal the home since there is considerable equity.and low mortgage balance. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED (XXXX)ACCOUNT, NOT MINES AND PAST STATE(GA) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; (4) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA...NOTE: ID FRAUD AFFIDAVIT WAS FILED WITH FTC# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 in the mail from MCM/Midland Credit Management, INC 0N XX/XX/XXXX advising me that they are the new owners of a debt they say I owe in the amount of XXXXXXXX.I called and spoke to a associate and he asked me for the account number, I provided it, and then he asked me if I was calling to make a payment, I advised him I dispute this debt, and he told me I have to dispute it in writing.I sent out a LETTER ON XX/XX/XXXX, I was told that if I do n't pay this it will be reported to the credit bureaus.I told him not to call me.This account was purchased by Asset Acceptance and they also harassed and threatened me.This account was opened in XX/XX/XXXX with XXXX and paid, I had XXXX months no interest .I am not sure how many companies have attempted to collect this money I do not owe, but it has been several.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Medical Data Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt has not been verified, no contract or signature provided.

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 2016-03-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX that was opened in XX/XX/XXXX. The account was sent to Midland Credit Management in XX/XX/XXXX for collection. They continue to report my status as a charge off even though it was paid. In XX/XX/XXXX I had lost the information for MCM after making payment arrangements. I called XXXX to get their information and was told I could make payment through them, so even after selling the account off, they illegally took a payment from me in XXXX XXXX, thus allowing them to re-date the account on my credit report. XXXX also shows the date of 1st delinquency as XX/XX/XXXX, however, supplies no data for any month from XXXX XXXX through XXXX XXXX, other than the months in collection. Midland is reporting they received the account in XX/XX/XXXX, though XXXX shows them sending it to collections XX/XX/XXXX, thus allowing Midland to improperly report the information and further affect my credit longer. Midland also reports the account as " Paid account/was a collection account, insurance claim or government claim or was terminated for default '' in an attempt to make a lump sum status even though each of these items carry a different rating with lenders thus affecting approvals differently and they also look for liens/judgements when a debt is tied to insurance/government claims thought that is not the case. Both of these companies are unfairly trying to prolong their negative reporting has on me as a consumer.

Company response to consumer: Closed with explanation