BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with Source Receivables Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}. However, XXXX, as of XX/XX/18, shows Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Source Receivables at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get Source Receivables to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a few letters to Equifax and I they still haven't responded to the letters its been well over 30 days my first letter was sent out XX/XX/2020. I  also sent a follow up letter and got nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2018 i had to vacate my apartment to reasons that i could no longer afford it. So the regional manager over the apartment said to pay her XXXX dollars and my 1 year contract would be terminated and so i did pay her the XXXX dollars and since then all of my older paperwork with those details were destroyed in a fire so i cant access the records to prove that my contract should be terminated. I know for a fact that the management group that was running the complex at the time were involved in several illegal acts at the time. Several other people that have previously lived in the complex had sued them for such accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: NY
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:
Today on Monday XX/XX/23 at XXXX XXXX  I contacted Equifax to speak about fraud on my credit report, and been transferred over 5 times to the wrong department on a 12 minute call. It sounded like i was being transferred over to 2 different people back & forth which then ended in the representative ending my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Paypal Holdings, Inc
State: WV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an bussiness account with PayPal service for years I am recently subject for several measures taking against me as a XXXX from somebody I am recently subject for several measures taking against me as a XXXX from somebody XXXX in this company! 

They hold my money ( {$5800.00} US $ ) deposited to my account by my several Clients in the last 7-10 days to cover my service as a XXXX They Blocked sending my money to my bank until i gave them confidential information about my practice ( XXXX XXXX XXXX XXXX XXXX ), in especially they have my clients name, age, address... .etc, which put me in trouble disclosing my service as drug addiction treating doctor in addition they want my photo submitted to them All my practice is covered by HEPPA to protect our clients privacy and my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber home loans is charging me a fee of {$5.00} every time my current refinancing company is requesting information about my mortgage to them to be sent over via fax. Not needed to say but I always paid on time and had automatic deductions. This practice should be illegal, we are in 2020 people and these type of fees are ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.

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 2020-05-23
Company: Nelnet, Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to all major credit bureaus, Nelnet continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late  payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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 own my own company. Several years ago a relative worked for me. She got several credit cards in my name. She paid them until she got on XXXX   and we fired her. We then found out about these cards and disputed them. She became a XXXX XXXX. 
XXXX XXXX said they would write off and they never called us. 
Then all of a sudddn this portfolio recovery started billing us. They now harass us and we dont owe them. 
Can u please stop them for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have paid off my mortgage in XX/XX/XXXX but the mortgage company has not sent me a mortgage satisfaction letter and record it on the county record. Based on the mortgage agreement I signed, the servicing company is supposed to send it to me within 45 days. It has been two months and Lakeview loan servicing LLC still has not sent the letter. 

I spoke to a lawyer and they told me that I will not be able to sell my property. I am planning to list my property for sales and can't do so because the mortgage company didn't send the mortgage satisfaction letter I have called Lakeview more than 10 times. They told me that they will record with the county on XX/XX/XXXX and it didn't happen. I called them again. They told me that they have third party working on recording and will finish on XXXX. XXXX and will keep me post it when it is done. Never heard back anything. I called XXXX XXXX because this loan is owned by XXXX XXXX and they told me to contact you. 

Please assist. Thank you!

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 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-01-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.

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 2020-05-23
Company: Experian Information Solutions Inc.
State: KY
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 just want the company to respond to me via FCRA guidelines. Thanks for your 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 explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XX/XX/XXXX XX/XX/XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was residing with a person who was renting a home, I was not on the lease as a person responsible for payment. Just an additional person living in the home. I am receiving letters that a debt has been sent to a debt collector. When we moved out the balance was {$0.00}, no deposit was returned, property was not damaged, no letter was sent to a final bill or money owed, no contact with the property manager from XX/XX/XXXX until XX/XX/XXXX when I received a letter. I responded with a written response that I deny the debt. I didnt hear anything else. Then XX/XX/XXXX I was sent a letter with a lesser amount to pay. I was never advised of this debt before it went to collections and they did not notify the resident responsible for payment. XXXX XXXX did not send a bill or communicate before the collection agency and this is not proper. They can not produce verification of the debt but we have paperwork with a XXXX balance. Debt was sent to Rent Recovery Solutions LLC, who hold many complaints of misconduct and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: EQUIFAX, INC.
State: NY
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/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, XXXX, Equifax and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a total of {$880.00} sitting in my Coinbase account. I bought and sold XXXX which is XXXX. I want to transfer my money out of my Coinbase account back to my checking account. They froze my funds. I don't understand how they could do this. I emailed them many times and they are giving me the run around saying that that they can't allow a transfer because of security issues. I feel they are saying this as an excuse to keep the money. Please help me with this situation. 

Attached you will see a copy of the email they sent me saying the funds can't be transferred out of Coinbase and another attachment showing a snapshot of my back office showing my available balance. And a description of the amount that says it is unavailable to transfer out. 

I feel they might be trying to keep the money. I was unaware that this thing could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Four Directions Lending LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for the loan, only needed {$200.00} but was given {$870.00}, there's no where to pay online, the email on their site does not work nor does their messaging service. I just want to pay back the {$870.00} as I don't need it anymore. If I want to the email I received says I have to pay the full {$15000.00} with finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX  credit report received a hard inquiry on XX/XX/2020 from : CITIBANK NA., BEST BUY Address : CITIBANK NA., BEST BUY, XXXX XXXX XXXX XXXX, XXXX XXXX , SD    XXXX I did not apply for a BestBuy credit card and believe a fraudulent application was made using my information. The BestBuy Citicard number : XXXX is not helpful. There is an automated system that requires either an account number or social security number. I do not have an account number and the account has not been opened yet so my social is not in their system. The automated system will not let you speak to a human representative under any circumstances I have tried numerous times. When I call the general Citi credit card number they always state they are unable to help and transfer me to the previously stated BestBuy number. I have filed a dispute with XXXX  and the determination of that dispute was the the inquiry was factual and if it was made fraudulently I would need to contact the same BestBuy/Citi number where I am unable to reach a person.

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 2021-04-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads XXXX ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XXXX followed instructions and removed all information, see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions betweenXX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

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