BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unfortunately the calling company is calling for a party whom is no longer with us on this earth and is deceased. I have tried to catch them and explain this, but they always seem to call when I'm not by the telephone. And it's becoming a disruption to my home, and a painful reminder of our loved one whom is no longer with us due to XXXX. I understand they are just doing their job. But we are not in any position to help them. They just need to quit calling the phone number they have listed. It is not a personal phone number, it's an home phone. So when they call it disrupts others. And we tend to not answer numbers we do not know due to spam callers.. The bordering on harassment needs to come to an end. And to call in is more difficult because I do not have the necessary information to " discuss the deceased parties account ''.

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 2017-08-08
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from ARA Inc. ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RoundPoint Mortgage Servicing LLC
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: Information is missing that should be on the report

Complaint:
I have sent number emails and I called Round Point Mortgage. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

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 2020-11-19
Company: EQUIFAX, INC.
State: GA
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). 

My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. 

The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more.

I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers.

XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2020-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC is trying to collect on a debt that is not mine. I have submitted documentation from XXXX, a credit reporting agency, affirming that the debt is not mine. They are using falsified documentation as evidence that the debt belongs to me. The original paperwork I received on the account in question was sent to a person with my name at an address at which I never resided. After I refuted the address, the company changed the address on the " evidence. '' This account is not mine, yet the collection agency is trying any tactic they can to collect on the debt. The debt IS NOT mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I hold two credit cards with Capital Ones. I make my payments each month on the Capital One website. For personal financial reasons, I pay the amount owed to Capital One, on their Capital One website, the day before its due. It was my thought that by paying on their website the day before it was due, I could avoid late fess and interest payments each month. I learned that's not the case at all because even if I pay on their website, Capital One does not credit the account until Capital One receives the funds from my bank a day or two later. I could have easily avoided months, perhaps even a few years of LATE INTEREST PENALTY $ $ charges had I paid through my bank and NOT Capital One 's website. Its deceptive practice to lead a customer to believe that if they go directly to the lender with earnest payment before the due date, the lender would allow a grace period of 24 hrs of business and not insert a penalty the following day knowing that the customers directive to their bank is to allocate a set amount to be paid to be paid to a payee. There is no advantage to the customer to utilize their website. On this day a compliant was raised and the response given was " you should open an account with Capital One to avoid that delay ''. There is no delay. A confirmation from their website noting payment is being paid should be honored rather the trolling or coercion of opening an account-thus selling a financial product. There's a lot of spin language to their products and misrepresentation abra cadabra that needs sophisticated oversight. Their website for payment of credit charges is misleading. It's sold as a method to pay a bill timely and avoid charges and its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
Received my Citi Costco Visa bill noticed at least two charges by XXXX XXXX two I don't do business with. I called Citibank frauds and they said they would investigate the two charges as fraud. This was done on or about XX/XX/XXXX. I called last week XX/XX/XXXX cause the new bill charged me interest of XXXX due to them not taking the XXXX XXXX charges to the side. Citi card customer service said to call back today XX/XX/XXXX. To check on the fraud investigation, customer service female hung up on me before I could get name. Then called customer service rep. Said I just added fraud on XX/XX/XXXX, which is incorrect cause I called in XXXX and Citi frauds only put one of the three XXXX XXXX charges as fraud and credited me back, so two are left. They are incompetent and have no reference number to go back at them with, so they say we don't see any fraud complaints from you. Please help. Charging me interest on fraud and have a XXXX XXXX attitude toward corrected such 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 monetary relief
Consumer complaint received 2019-08-18
Company: MARINER FINANCE, LLC
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:
Mariner finance letter admits paid offchange rating on credit report..state due to my husband illness and death this was caused delayed payment

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 2020-05-19
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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:
I would like to file a complaint against the following consumer reporting agencies. XXXX  and Equifax I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to XXXX   and Equifax on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However XXXX  or Equifax has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  to re age the accounts showing missed payments and a past due balance after being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: UT
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:
Equifax willingly and freely continue verify accounts involved in FRAUDULENT ACTIVITIES. The accounts should have been removed they continue to use XXXX instead of abiding by the law and retrieving the POLICE reports and doing a REAL 100% complete and accurate investigation. Their XXXX system eliminates a 100% complete and accurate investigation. I REQUESTED THEM NOT TO USE  XXXX considering there is a ACTIVE POLICE investigation and it clears they used it anyways to verify accounts that should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Financial Systems placed a frivolous debt on my credit report in which I do not owe the company. I have never done business with this company and never even heard of this company before.

Commonwealth Financial Systems violated the Fair Debt Collection Practices Act ( FDCPA ) by placing this debt on my credit reports without even sending me a Dunning Letter! 

I have never spoken to a representative from this company nor have I received any type of correspondence from them, but they placed this frivolous debt on my credit files anyway. 

There is no contract that is binding me to this company. I have never received any sum of money nor merchandise from this company. They are unlawfully trying to collect money in which is not owed to them. 

I mailed Commonwealth Financial Systems a letter dated XX/XX/2020, for them to delete this debt from my credit file as they already violated my rights as a consumer and not in Compliance with the Metro 2 reporting systems in which they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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:
XXXX, XXXX, AND EXPERIAN ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-12-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter Demanding payment of a medical debt that is not mine. I wrote to the attorney and filed a complaint with the Texas Attorney General. I have since received a second letter with the same demand. The medical bills that the law offices of Mitchell D. Bluhm & Associates , LLC from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and/or XXXX XXXX XXXX, have nothing to do with me and they were previously advised. I have asked for a copy of the original medical billing and been denied. It appears that The Law Offices OF Mitchell D. Bluhm & Associates , LLC is trying to run a scam and intimidate people into paying money they do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, Ive been trying to pay off a debt to apartments, the reason why I had to move was due to a domestic violence case. Every time Ive called XXXX has been very rude and he always downgrades me. My debt was originally XXXX and the amount theyre trying to charge me is XXXX. I have been back and fourth with them the whole month of XXXX and they will not work with me at all. He told me talking to a supervisor would not help and make a difference. This debt is not only on my credit but my moms as well, he was trying to get me to pay XXXX for myself so it would be taken off my credit but leave the rest for my mom to pay or it wouldnt get taken off if I didnt agree to that and asked me I had a good relationship with my mom so I could do that to her. I thought that was so wrong. Another time I called I spoke to a lady and she said I can pay XXXX and it would be taken off mine and my moms credit but when she transferred me to the supervisor he said he would have never approved that amount. That if I wanted to settle it would have to be for XXXX and it would be taken off. I asked him if I could think about it and he told me I could leave him on hold that if I hung up the deal would be off the table. Every time Ive called everyone is very rude, not willing to work with me or my mom and help us in any way. The amount theyre asking for is over what my actual debt is and they are always giving me attitude and dont seem to care to help. Very unprofessional

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: National Credit Adjusters, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2020 a collection agency by the name of National Credit Adjusters aka NCA was inserted into my credit file without giving notice of the insertion or right to dispute. I initiated a dispute with the company with letter dated XX/XX/2020 which arrived at destination XX/XX/2020 and the account has not been marked as being in dispute via my XXXX, XXXX, or XXXX  credit file. My dispute reason is the validity of the amount they are attempting to collect with supporting documentation bearing my signature that I owe them {$520.00}. I must receive documentation bearing my signature verifying the debt or immediately remove this record from all credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Yes, I hired Lexington Law to repair my credit, but unfortunately they falsely sent Some letters that I didnt authorize. I informed Lexington Law On XX/XX/2020 that theyre terminated due to unethical and deceptive practices in writing. I emailed them and I messaged LexingtonLaw on XXXX. No, there hasnt been any type of response or reply from LexingtonLaw. Ill be informing ALL three credit bureaus that if a letter was sent with my name on it to just ignore it. If any letter that was sent to the credit bureaus doesnt have my written signature and notarized, then the letter sent was and isnt officially from me. If I send any type of letters to the credit bureaus, then it will be in writing and it will have my notarized signature on it and Ill have a copy of me signing it on video. Also, I informed to LexingtonLaw that I dont authorize them to conduct a background or credit check from this day forward due to their deceptive practices pertaining to my credit repair case. LexingtonLaw sent letters without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX around XXXX, I called NCB because at my bank 's request. I spoke with a gentleman to request a verification of the debts I allegedly owe. I asked if it could be emailed to me so that I could proceed with what I was trying to do and was told that could not happen. I provided a few other solutions and was told that could only happen if I made a payment arrangement at that time. I declined to do because I did not have the information I requested. I did not receive the information needed after about two weeks, so I called again but I have not been able to get an answer on the phone nor have I received the documentation I requested.

Company response to consumer: Closed with explanation