BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Earlier this month, I received a letter from Linebarger Gotham Blair and Sampson LLP saying that I owed {$91.00} for a single unpaid toll. The original toll amount was {$4.00} and was supposedly for a violation that took place in the state of Delaware on XX/XX/2022. 


The Linebarger firm has a history of fraudulently attempting to collect nonexistent debts in violation of various state laws, as alleged in multiple class action lawsuits and complaints submitted to the XXXX. I believe the letter sent to me was part of this pattern of deceptive business practices and that I am being billed for a sum I do not owe. 


I have paid every toll notice I have received from the state of Delaware.Crucially, responding to such notices is the only method for non-residents like myself to pay tolls amassed in Delaware since toll booths in the state are generally unmanned and both the portals for paying tolls, Delaware XXXX and DelDOT.gov, require a notice number to process payment. 


The letter from the Linebarger firm includes a notice number for the supposedly unpaid toll. However, when I attempted to look up the violation on the above websites, I received a message saying the notice number was not valid. Why would a firm attempting to collect a legitimate debt do so using bogus account information? 


I would attempt to contact the Linebarger firm directly, but it has a documented history of fraudulent behavior. And neither the letter the firm sent me nor the company 's website include a physical or email address where I can send written correspondence. Only a phone number is provided. Without a written record of our exchange, I have no way of proving what was said or wasn't said. That puts the consumer at an incredible disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I filed multiple disputes with Experian about XXXX accounts that do not belong to me. A charge off with a bank I have NEVER had an account with and also a collection that does not belong to me. These accounts were results of identity theft/fraud. Experian refuses to delete their accounts. The first account is a charge off with XXXX XXXX XXXX and the second is with XXXX XXXX XXXX. Both accounts owing over 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 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, BofA XXXX ( XXXX XXXX XXXX, who works for XXXX XXXX ) sent a letter with misstatements to XXXX XXXX XXXX and documents showing evidence that XXXX XXXX XXXX was managing XXXX XXXX 's account in XXXX of XXXX, not XXXX XXXX XXXX XXXX, as per the client 's request in writing. 
There were unauthorized trades and excessive withdrawals- please see the attached statements received by XXXX XXXX in the mail. 
His XX/XX/XXXX statements and transactions were missing from this paperwork. 

XXXX XXXX would like to request that this information be sent to XXXX and to the SEC and that BofA is asked to produce documents pertaining to his accounts ending in XXXX and XXXX. 

Because of BofAs unwillingness to allow XXXX XXXX to transfer his accounts in time to make a required distribution, the client may be forced to contact the IRS. 
He is not sure of the total XXXX at BofA in his social security number at year end. 

Please see the attached details. 

XXXX fair market value of XXXX XXXX 's XXXX account was $ XXXX see form XXXX irs.gov/form, and was managed by the BofA XXXX, XXXX XXXX office. 

XXXX XXXX XXXX, XXXX, the account ending in XXXX was being managed by XXXX XXXX XXXX XXXX XXXX at XXXX rock center, and had Assets of {$610000.00}. 
Total debits from the account in XXXX were {$57000.00}. 

The account value as of XX/XX/XXXX was {$670.00}, under XXXX  XXXX XXXX ( who had no knowledge of any of these transactions ) and XXXX XXXX XXXX, at phone number XXXX. 

As of XX/XX/XXXX, assets had been transferred to an account ending in XXXX. 

It is not clear what has happened to these assets, as of XX/XX/XXXX. 

XXXX XXXX 's contact information is as follows : Tel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-10-30
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ed Financial and XXXX are refusing to process my IDR applications and it is impossible to speak with anyone or communicate with anyone at either organization. 

XXXX improperly denied my application as being " too soon for recertification '' although I am requesting a different IDR plan and that was made clear in the application. 

Ed financial is requesting evidence already provided and not processing the application in good faith. 

Both companies are not operating in good faith, and their fraudulent business practices seek to have them paid for more money than what is owed under the IDR plan for which I am eligible.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-15
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I tried to make a principal only payment in XX/XX/XXXX and was told they can not accept principal only payments outside of my autopay due date. However, if I remove autopay, my interest rate will increase as they gave me a .25 % decrease by setting up autopay. I then had a check mailed to XXXX to process. It is now showing online in my account with a payment date of XX/XX/XXXX. I then went in and tried to do a payoff and I received an error message and it tells me I have to call in to get my payoff quote ( XXXX ). I called in to XXXX and they told me they couldn't give me a payoff quote because the XXXX transaction was still processing. I then told them it was showing online and my current balance is showing {$12000.00} online. I was then put on hold and told my payoff quote is {$16000.00}, but they couldn't send it to me in writing because of the payment issue. I then told the representative my balance online showed it was {$15000.00} as of XXXX. I then asked how I could have almost {$900.00} in interest and requested how that makes sense mathematically. I was not given an explanation and was told he could not explain it to me. He then suggested I call back tomorrow to then make a payment, but I also told him waiting another day was going to be another day of interest I was going to have to pay, which is not fair to me as the consumer. He agreed but offered no other alternative. He then suggested I go back in and try to make a payment amount with a specific dollar amount. Based on my calculations, I believed today 's payoff amount would be {$12000.00} ( I added a XXXX ) so I tried to make that payment online. I got another error message stating the payment was too high and I had to call in. The customer representative then could not help me with anything and we both became frustrated. I ended the call and then tried to make a payment of the current principal balance. I got the same error message, so I called back again. The next representative suggested to remove the autopay to see if it will allow for a payment to be processed. I agreed and received the email notification it was removed. She tried to do a payment and it would not let her. I then logged back into XXXX and tried to make a payment and received the error message. XXXX is not allowing me to make another payment to payoff the loan. However, if I wait another day or XXXX ( based on their suggestions ), I will be charged extra interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NY
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:
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no XXXX company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
XXXX XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX XXXX charged an additional {$23.00} to the account and did not close the account. 

Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX  XXXX # XXXX, has 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: GA
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:
XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX XXXXnaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXXXXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I decided to close my checking account at PNC bank as i found their website and online banking very complicating and extremely confusing. Because i donot really understand their site settings i was afraid of using it. As of XX/XX/2018 my account balance was {$25.00}, so i paid the same {$25.00} to my credit card to zero out my account balance. I planned to close the account as soon as the payment is clear and my account has XXXX balance. But on XX/XX/XXXX i noticed my account has a negative balance because PNC bank charged me overdraft fee. So i both called and sent them a secured online message to inquire and explain to them that i just wanted to zero out my account balance of {$25.00} and then close my account. I didn't overdraw a penny as my account was clearly showing a balance of {$25.00} before i made the payment for the exact same amount. I asked them to remove the fee and close my account but they refused. After i asked to speak with the manager, the representative agreed to submit a complain and promised to call me back within 48 hours. But 5 days passed and nobody called me back. I sent them a online message again but they still gave me a run around and refusing close the account. Today i notice they charged overdraft fee again so the account 's negative balance is growing larger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing this account and it was not approved and I reached out to the school because my refund from school balance was placed as a collection on my credit report and they refused to. Remove it

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 2021-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX at XXXX XXXX EST, I made a 14 minute and 34 second phone call to Portfolio Recovery Solutions. I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: IN
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:
Equifax never informed me that there was a security breach with my account when they had that huge breach. I have filed several fraud reports with all the companies and yet they did failed to inform me or even try to help me fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2600.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 a request for validation from XXXX XXXX was sent Certified mail : # XXXX XXXX XXXX XXXX XXXX After 30 days they provided no response. 

I did not give XXXX XXXX Lawful Authority to obtain my information 18 U.S. Code 1028 On XX/XX/XXXX a request was sent to Experian Certified Mail : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i for removal of any remarks that are inaccurate, incomplete or that were not able to be validated by either. They were not able to provide any of the documentation required by law to show proof that ; The debt belongs to me By providing ; *The original contract with my signature XXXX XXXX license to collect in the the State of Texas *Proof that the debt was purchased or assigned to them *Full payment history from the original creditor Not one document was provided, by either. 

As well as the inquiry removed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have no account related to this company nor did I request any information from them or give them consent to view 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 non-monetary relief
Consumer complaint received 2020-12-14
Company: Consumer Adjustment Company Incorporated
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never done business with this company ( Consumer Adjustment Co ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Consumer Adjustment Co

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

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 2023-05-12
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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:
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. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation