BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: Mobiloans, LLC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. Inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Mountain West Legal Solutions, PLLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was receiving a number of automated messages on my answering machine that spoke vaguely about some unpaid debt. When I called the number back and inquired I was told the debt ( in the amount of {$760.00} XXXX was an unpaid medical debt dating back to 2007. When I asked about the specifics of the debt and what is was for all they could tell me was the date and location XXXX XXXX XXXX XXXX XXXX. I then called the hospital to inquire about this unpaid debt and they said I had no unpaid through them. I called back the debt collector and they said they would send me a letter detailing exactly what the debt was for. I did receive this letter, but again, it did not state what the specifics of the medical bill were for, but expalined how I could pay the bill, which included a self-addressed envelope. While I was present at the hospital on this date, I was full insured at the time, and was never notified prior to this about this supposed unpaid debt, which is over 7 years old! I strongly suspect this was a fraudulent attempt at collecting money on an old medical charge that has already been paid.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-12
Company: First Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Over the past several months, I 've continued to receive phone calls from First Recovery about debt collection for a person that does not work at the number they are calling, which is my office and a government office. I 've made several attempts to update whomever is on the customer service end to remove this number off the list. The collector is looking for a specific person : XXXX XXXX. That individual does not work the line they keep calling over the past year nor do I know the person. Every time I receive the call from this company, i 've updated the customer service person and yet I continue to receive phone calls/msgs. After several frustrations over the past year, back in XXXX XXXX/XXXX/XXXX, i decided to do my own research online to find this XXXX XXXX person and guess what, was able to find her. I gave the customer service person the updated contact information back then because it seems like they ca n't do their job. It took me less than 10min to find her online. I received a call from this company XXXX/XXXX/XXXX. Morning of XXXX/XXXX/XXXX, i call back to once again update First Recovery and again I receive a call back XXXX exactly the same day XXXX/XXXX/XXXX calling about the same thing. I am beyond frustrated and can not believe people ca n't do their job to find the right person. Stop calling this number government office line. PLEASE STOP CALLING THIS GOVERNMENT LINE looking for the person as the individual does not work here nor do i know the person. Every time I ask the collector to update, they said they removed the number but i still continue to receive several phone calls over and over again. Every time I ask about which company this is, the customer service person/debt collector hangs up on me. Finally, at least i was able to find out that it was FIRST RECOVERY.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Credit card
Issue: Other

Complaint:
When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-03-28
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
Hi, I purchased XXXX gift cards on eBay from seller : paypal digital gifts, XXXX cards ( {$25.00} and {$100.00} ) on XXXX/XXXX/16 and XXXX card for {$100.00} on XXXX/XXXX/16. I tried to use them 2 months ago and balance on all XXXX cards said XXXX. I contacted paypal, the rep told me it was confirmed I never activated the card and will investigate and get back to me. 2 months after I called and paypal said there 's nothing they can do and transferred me to ebay, ebay said there 's nothing they can do as too much time passed to open a claim, I tried to tell them I bought gift cards that do n't expire and did n't expect the balances to be 0 months later, they gave me the email to the seller instead. I emailed the seller ( both email accounts ) numerous time and did n't get any replies. I heard that paypal digital gifts by accident posted the gift card numbers on line, so everyone was able to use them before the actual buyers. I 've read that many have gotten refunds already and some are just given the runaround. I keep calling and emailing paypal and they just tell me there 's nothing they can do. I do n't want to be out {$220.00}, someone has to be responsible for this. Anything you can do to help would be greatly appreciated as I have exhausted all my options. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company is attempting to collect a debt that I do not owe and that I 've thoroughly disputed. In spite, these people continue to contact me to collect debt. They use automated dialers to call me at my place of employment, as well as on my personal cell phone, during my working hours. They 've gotten me in trouble at work ; as a result, I 'm concerned about my job status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

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 2015-07-13
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX Dynamic Recovery Services reported a debt that is over seven years old to XXXX. It is my understanding that after seven years a debt can not be reported to the credit bureaus. The statue of limitations for debt liability in Ohio is six years. I would like this removed from my credit reports immediately.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: LA
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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Accordance these accounts has violated my rights 15 U.S.C 1681 section 602 A1 States I have the rights to privacy 15 U.S.C 1861 section 2 1602 A section B a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I began using Square as a payment processor for my online business and a few hours later, I received a few online orders and shortly after received an email from Square saying they were holding the funds until they received some additional information. I submitted all of the requested documents and information and received another email saying they needed more. Submitted that and about an hour later received an email saying that they were deactivating my account and that they would be holding the payments for 90 DAYS. I was provided no reason as to why the account was closed. At this point, I want nothing to do with this company so I do not want the account reactivated however, I need the almost {$2000.00} that I made and this company is holding. This is absolutely ridiculous that so many people have dealt with this same issue with this company and they are still getting away with this. There are thousands of complaints of situations just like mine that I have found on the internet while dealing with this with this company. As a small business, especially during these times, this has put me in a financial disaster and I am unable to run my business. Customer service is no help, I have reached out multiple times via chat, email, and phone over the past 2 weeks between 5-10+ times. There is no valid reason for the deactivation or holding of the funds. I have not received any chargebacks from customers, I provided all of the additional requested information, and I do not sell any of the prohibited items listed in the Square terms. I do not have 90 days to wait for my funds when this is my livelihood. A complaint was filed with the XXXX and a resolution was not reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway? 

XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute. 
However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues. 

This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud. 

We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call. 

He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX. 

I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them? 

XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!

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 monetary relief
Consumer complaint received 2017-04-01
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been slightly overpaying on my SLS mortgage ( just a few dollars a month ) since it was sold from XXXX to SLS. For quite sometime SLS could not give me access to my account online ( I filed an official complaint with them last month, to which they finally " fixed it '' ). But now when I can see my transaction history, instead of crediting my " extra principal '' to pay down my loan, they have been allocating these extra payments to " late fee '' -- not at all reducing my principal. I am sending them a complaint as well, but they are horribly non-responsive and I believe this could be a systemic issue given it appears to be done automatically all the time.

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 2020-04-02
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank for XXXX is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a letter from a lawyer wanting to represent me in lawsuit that was filed against me by portfolio recovery inc. This was the first I have heard of this. I did find I was in the system as having been sued by them but nothing from Portfoilio recovery. Looking into it the are suing me based on when they bought this credit dept. I dont even remember this bank, synchronies bank. I have worked really hard the last 7 yrs to clear up my credit so I know this is way over the time limitation in Texas, which is 4 years. I found the lawsuit was filed XX/XX/23 and paid the court by the lawyer on XX/XX/23. Im to be served in person but as I said I have heard nothing from them by phone, letter or in person. 
They say I owe {$7700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  {$0.00} XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief