BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southern management systems collection company reported a debt of {$5200.00} on my credit report with hideaway north as the original creditor. I disputed this amount with the credit bureau and they dropped the inflated amount to {$3000.00}. I further went ahead and negotiated the debt with southern management systems down to {$2200.00} with the agreement that southern management systems will remove this debt completely from my credit report and the original creditor hideaway north will withdraw their petition for a civil lawsuit against me.. I paid off the whole balance of {$2200.00} in one payment on XXXX/XXXX/2016. Southern management systems informed me upon payment that the next day XXXX/XXXX/2016, they southern management systems will report the debt to be deleted. Contrary to what the told me they went ahead and reported the debt on XXXX/XXXX/2016 as still being owed and as a result of that XXXX is refusing to remove this from my credit report even though I have sent them a letter showing the balance as paid off and showing a categoric request by southern management systems to have this account absolutely deleted from my credit report. The credit bureau can confidently confirm that on XXXX/XXXX/2016 southern management systems reported the debt as still being owed and the recorded conversation between me and the staff at southern management will also confirm their insistence on the fact that on XXXX/XXXX/2016 they reported the account as paid and to be deleted of my credit report. They have been intentionally lying to me when they know they have reported the debt as unpaid but then keep telling me the opposite. I have spent hours on the phone with both the credit bureaus and the collection company and the collection company refuses to honour our agreement.

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 2021-05-07
Company: SYNCHRONY FINANCIAL
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Paypal Credit is the credit card/creditor I am having problems with. Started with summer of XXXX I noticed there were several purchases from XXXX made using my Paypal account. I had been paying through my direct deposit never looking at credit card statements because they make finding these statements so hard electeonically so I was always too busy to look. One day in XXXX & XXXX I called Paypal stating someone in XXXX charging items to my account and it wasnt me and I was a victim of fraud. Paypal investigaged and on XX/XX/XXXX I was reimbursed {$710.00} via check from Paypal of previous payments I sent in excess of my account balance charged by me. I did not make any other purchases and wanted to close the acct however I heard if you close an account it reflects negatively. Fast forward to XX/XX/XXXX when Paypal took {$250.00} out of my checking acct ( previously set up auto withdrawal of minimal payment..I had no balance on acct and hadnt bought anything and thus contacted Paypal to reimburse the money ( {$250.00} ) they erroneously took from me without me owing anything due to not charging anything. I have contacted Paypal since XXXX with a runaround, bouncing Frim fraud to customer service. They would tell me a complaint was filed and someone would get back to me but never did and would " drop my calls '' and no one would call me back and kept sending me past due balances. I asked to see charges a nd tell them to send these statements and never would. I also would look them up on line and two months were " missing '' and was unable to see becsuse I wanted the customee service rep to go over these charges and thats when phone call was dropped and then the last couple of months I am unable to access my account at all and no one has contacted me other than to tell me to pay {$620.00}. In fact when I could see my account they also had a balance on the regular Paypal side ( the side you can pay people and certain online merchants ) I have not used this either. And yes I tried to solution but no one will help and no one will call me and now I am locked out of my acct.. I do not owe anything and in fact Paypal credit owes me {$250.00} Of note is company never sent me a physical credit card either

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 2023-10-03
Company: AppFolio, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am writing to address a matter of utmost urgency regarding the payment processing system on the AppFolio portal. I have observed a concerning discrepancy in the fees applied to transactions conducted through the AppFolio platform. Specifically, the portal advertises a fee of 3.49 % for credit card transactions, while significantly lower flat fees apply to check or debit card payments through the same channel. However, when I attempted to utilize my debit card on the AppFolio portal, I was unjustly charged the incorrect amount of 3.49 %, resulting in a total charge of {$94.00}. This irregularity has been a source of significant inconvenience and financial strain. I have taken proactive steps to resolve this matter, initially engaging with AppFolio through the XXXX XXXX XXXX XXXX XXXX XXXX as it became apparent that direct consumer contact channels were not available. Regrettably, my attempts to find a resolution through this avenue have proven fruitless. Furthermore, I diligently communicated this issue to my property management company, XXXX XXXX XXXX  ( contact information : XXXX, located at XXXX XXXX XXXX XXXX XXXX, WA XXXX ). They have consistently assured me that this fee discrepancy is beyond their control, as it pertains to a third-party charge facilitated by AppFolio. Conversely, AppFolio, in their responses via the XXXX complaint system, has repeatedly directed me to contact my property manager. This continuous cycle of redirection has created significant frustration, as my property manager lacks the authority to influence or rectify these fees. As a concerned consumer who values fair and transparent financial transactions, I am earnestly requesting that AppFolio promptly assess fees in accordance with the rates advertised on their portal, thereby ensuring compliance with consumer protection acts. My primary objective remains the resolution of this situation, and I implore AppFolio to take immediate corrective action to restore fairness and transparency to their payment portal. I trust that this matter will receive the attention it warrants and will be addressed with the urgency it demands. Your swift response and resolution are eagerly anticipated. I am attaching photo proof that the amount they are attempting to charge is not correct. There is a photo of the fee explanations and a page showing the incorrect amount being assessed for my debit card. in their previous reply they mentioned that they have no record of collecting this amount from me. That is because I had to cancel that payment and pay by check. That is not the correct resolution. The correct resolution is to access the proper fee in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Account status incorrect

Complaint:
This is XXXX XXXX please 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 explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: DC
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:
I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report. Equifax did not remove all inquires requested in the report. Due to Equifax breach I would like the inquiries removed that they left ( XXXX ). XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Paragon Revenue Group dba Jon Barry and Associates Inc., is demanding {$640.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. Paragon Revenue Group are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX I have not received goods or services from Paragon Revenue Group. 

XXXX XXXX XXXX XXXX violated my HIPPA rights releasing my private medical information to Paragon Revenue Group XXXX Please be advised no consent to treat documents bare the name Paragon Revenue Group as Paragon Revenue Group is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 
A permissible purpose was not granted to Paragon Revenue Group. I am not a party to any agreements Paragon Revenue Group may or may not have with XXXX XXXX XXXX XXXX  I am not responsible for Paragon Revenue Groups purchase / transfer from XXXX XXXX XXXX XXXX XXXX have not agreed to pay/tender anything to Paragon Revenue Group. 

On XX/XX/2022 at XXXX I contacted XXXX XXXX XXXX XXXX on a recorded line in efforts to clear this matter with the original creditor. According to XXXX XXXX Customer service for XXXX XXXX XXXX XXXX  the alleged debt was sold to Paragon Revenue Group XXXX XXXX stated there was no payment due to XXXX XXXX XXXX 

Paragon Revenue Group provide the original purchase receipt, tax filings, name and number of the authorized representative that released my detailed private medical information to Paragon Revenue Group. 

My credit files are not to be reported to or damaged in regards to this matter Paragon Revenue Group., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Please Cease and Desist. 

See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Albert Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I used my Albert card for a security deposit at The XXXX XXXX XXXX XXXX, XXXX NY on XX/XX/22. The hotel placed a {$60.00} hold on my card and informed me the funds would be released at the time of check out on XX/XX/22. When I checked out of the hotel I was informed that the funds were released in full and I would be receiving my full {$60.00} back within 24-48 hours. After 48 hours I did not see the deposit back in my account. I reached out to Albert about the issue and they told me the hotel had not released the hold. I immediately called the hotel and they informed me that they had in fact released the {$60.00} hold and to contact my bank about the issue. I had the hotel email a statement with proof the funds were released. I am now going on 3 weeks with being ignored by Albert about this situation. They have continued to ignore me and when they actually do respond they tell me they are working on it and give me no timeline or explanation about where my money is. This lack of consideration to me at their customer has caused me to receive over draft fees along with emotional hardship from not receiving any support of explanation as to what is occurring. The fact Albert denied any fault until I showed them proof the hotel released the hold goes to show their shady business practices. The fact I have been ignored, neglected, gone into debt and now have financial hardship along with emotional distress also shows they have no consideration for their customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was denied a home re-finance due to a collection account being on my credit, which I did not know existed. 

Once I realized it was there, I contacted the collection company, ( Resurgent ), and they told me it was a debt from a XXXX account in XXXX, which I have no knowledge of. 

I sent a certified letter asking for verification of debt, which they received on XX/XX/XXXX, and have not responded to at all! 

I have requested on multiple ocassions that they remove this FALSE debt from my credit, until they can prove otherwise, however, they will not, and are using unethical tactics to try and collect a debt that isn't owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: BARCLAYS BANK DELAWARE
State: AL
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:
I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when COVID hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted Barclays in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.

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 2016-07-11
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland Credit Management, a debt collector, is threatening to initiated legal action to collect a credit card debt. The debt has more than 7 years. The statutes of limitations for credit card debt is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management , Inc. constantly keeps sending me letters, and contacting me about an account that is not mines. The account was opened fraudulently and does not belong to me. The company keeps harassing me about debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
resurgent bought a debt that they are not legally licensed in california to collect such debt the debt was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 U.S.C. 1692c ( a ) ( 1 ) of the FDCPA. A representative from your company called me after XXXXXXXX  stating I owed a debt. I informed her this was an inconvenient time and after hours for me. She then proceeded to harass me and tell me it was only after XXXXXXXX  which was very profane. My kids are in bed at that time and my infant was breastfeeding. I then demanded to be placed on the Do Not Call list. The following day your agent called me again from the number XXXX violating 15 USC 1692 d ( 5 ) and I repeated that I should be on the Do Not Call List, to which your agent then deceptively told me your company does not have a Do Not Call List. PORTFOLIO RECOVERY ASSOCIATES then sent statements in the mail from XXXX XXXX stating that I owe a debt. Pursuant to Pacific concrete FCU v Kaunaoe 62 Haw. 334 ( Haw. 1980 ) statements & consumer contract are not sufficient evidence of debt. I have previously disputed this account several times with the consumer reporting agencies. I have also filed an FTC report on this FRAUD and harassment for this alleged debt. As a result this inaccurate account has been removed from my XXXX and XXXX report since XX/XX/XXXX. However, PORTFOLIO RECOVERY SERVICES still continues to report this fraudulent and inaccurate account to XXXX as collections and is in violation of 15 USC 1692 e ( 8 ). PORTFOLIO RECOVERY ASSOCIATES continues to mail me several statements using deceptive means to collect the debt allegedly owed. I have no agreement with PORTFOLIO RECOVERY ASSOCIATES and did not give consent for my nonpublic personal information to be shared with this third party or harass me stating I owe any debt. This account can not be verified when it has already been validated as INACCURATE and has been DELETED from my consumer reports. Reporting this account to XXXX is FRAUD and a violation of the FDCPA and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief