BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
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 is not yours

Complaint:
I have a collection account from XXXX XXXX XXXX XXXX on all three of my credit reports in the amount of {$17000.00}. XXXX XXXX XXXX XXXX is failing to properly validate this debt. I originally disputed the account thru XXXX XXXX XXXX and the collection agency sent me a letter on XX/XX/XXXX saying they closed the investigation and attached a credit card statement, which ( in their words ) established its validity. On XX/XX/XXXX I once sent a certified letter of validation and asked they provide me with the contract bearing my signature from the original creditor that i have a legal obligation to pay them. I also asked what method of verification they gave the credit bureaus regarding the accuracy of the account.. On XX/XX/XXXX they once again sent me a letter stating they have completed their investigation of my dispute, attached credit card statements which ( in their words ) established its validity. They sent me the same letter on XX/XX/XXXX with same credit card statements. On XX/XX/XXXX they sent a letter that they have reviewed my dispute and their records indicate they have already responded to a previous dispute that is the same as my present dispute and because of my dispute alleges no new facts an includes no new information they will not be conducting another investigation if they receive subsequent correspondence from me regarding a dispute that has already been resolved. Their office considers this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Bierer Law Group, P.A.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX I co-sign for a private student loan. The loan fort payment was due XXXX of XXXX. The individual I co-sign was still in school and didnt graduate until XXXX of XXXX. 

They sued us in XXXX for the private student loan. In Maryland the statue of limitations you can not sue after 3 year. 

Now they have garnish my wage on a default judgement that they knew was illegal because if the statue of limitation. 

I have to pay back three different private student loan that XXXX XXXX XXXX XXXX XXXX brought from the original creditors. 
It going to take me over 15 years to pay it off or I have to file for bankruptcy. The courts are not upholding the law by allowing debt collections agencies to count you dont know the law and count you know showing up for court for these judges awarded the a default judgement. And there is nothing you can do. So the statue of limitations has no bearing on this cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: DISCOVER BANK
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:
My Discover Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and Discover never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed Discover or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: SC
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:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PCR Group
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT ADJUSTMENT BUR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has reported a charged-off account in the amount of {$900.00} to the credit bureaus and is causing a negative effect on my credit report. I do not know this company. I have never done business with this company. This company doesn't have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had a coinbase account locked by them and have tried to contact the to reopen the account after they stated i can not have an account if I live in XXXX, I dont live in XXXX I live in the XXXX where the account was opened from. 

I have been waiting for a response to my case since XXXX and have also paid XXXX to call them to which they said they could n't help me with a locked account even though the option I choose was for locked account issues and then placed on hold for 2hrs. 

The case ID number from them Case XXXX I can not gain access to my money they hold to do anything with which is now causing me some distress as I am also being treated for XXXX currently and would like to have access to my funds again for removing back to my account to assist financially. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Experian Information Solutions 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:
1. Obtained a loan for a new car in XX/XX/XXXX with XXXX XXXX XXXX. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from XXXX as well for the car ( document attached ) 6. A check was sent to XXXX XXXX in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. OnXX/XX/XXXX the XXXX auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from XXXX thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from XXXX and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from XXXX, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to XXXX between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when XXXX had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. XXXX began to mark my credit report falsely and incorrectly with the Credit Bureau Experian between XX/XX/XXXX and XX/XX/XXXXXXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with XXXX corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that XXXX is not willing to remedy. It is my hope that you will be able to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It is ridiculous that as a consumer i have to pay to freeze my credit. There 's no reason i should be paying, especially when outside businesses are the ones making errors letting personal info get out. A credit freeze and unfreeze should be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
So I had an account with US Bank over 10 years ago. Now in 2017 they are trying to put me into the XXXX XXXX and freeze all my accounts and I owe them {$1300.00}. Im a working man who works check to check and can not afford to have this happen. I was over drawn on the account by about a dollar, and then they charged me a ridiculous amount for the overage charges. Now 10 yrs later after forgetting about it, they are having a legal company contact me and tell me that Im going to get my accounts frozen and I have to pay! US Bank is trying to ruin me 10 years after something that I had forgot about, and for a {$1.00} overage. I am hoping to get This resolved so I either only have to pay what I was over 10 years ago or just not {$1300.00}

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 2022-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CitiBank refused to follow up on complaint XXXX. CitiBank refused to provide detail regarding amount owed, fees, overcharges and accrued late fees despite several dozen attempts following the original complaint referenced above. CitiBank made no effort to contact me in any way since XX/XX/XXXX. In addition to the dozens of phone calls I went into a CitiBank office in XXXX XXXX to attempt to rectify or come to some kind of agreement in regards to the resuming payments I was unable to make, and had never failed to make, prior to the mandatory statewide shutdown in California On XX/XX/XXXX CitiBank filed a lawsuit against me for {$4700.00} in XXXX XXXX XXXX XXXX. 

I received no notification by mail, email, nor phone calls regarding a lawsuit. I was served a summons for the case 11 months after the XX/XX/XXXX lawsuit filing in XXXX of 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 2017-07-30
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:
I have provided XXXX and Equifax proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. XXXX and Equifax get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against Equifax and XXXX  for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. Equifax and XXXX need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need XXXX and Equifax to adhere to the law and immediately remove this fraudulent information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Cianfrone, Nikoloff, Grant, & Greenberg, P.A.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in regards to case XXXX. XXXX XXXX XXXX, XXXX, Florida. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX VS XXXX XXXX ( PRO SE ). Plaintiff law firm of Cianfrone, Nikoloff, Grant & Greenberg ( XXXX XXXX XXXX ) is a confirmed DEBT COLLECTOR as stated on their signature on emails as well on court documents. They were NOT hired by the condominium Association. As of this date they have violated several areas set by the FTC. They refuse to contact the opposing attorney ( myself acting pro se ) in setting court dates for hearing. They are after a debt which was written off many years ago by the condominium association. They receive a percentage of the debt if they win. The law firm is trying to also get ridiculous attorneys fees as well and astronomical interest added to the original debt owed which was written off. They are unethical, unprofessional, liars, cheats and your typical debt collector violating the agencies whom over look them. 

I have all of the paper work if you need to see.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-13
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: Was not notified of investigation status or results

Complaint:
I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my apartment, The XXXX managed by XXXX on XX/XX/XXXX. I overpaid them by {$620.00} because the office staff would not tell me the total amount owed before rent was due on the 1st and I did not want to make a late payment. After the final walk through where NO damages were found, they told me I would receive a refund within 3 to 4 weeks after moving out. When I did not receive a refund I called the XXXX apartment office multiple times and no one answered. I left multiple voicemails. I then contacted my bank, XXXX XXXX, and sent them the documents showing the amount I owed the XXXX apartment for XXXX rent and my bank agreed I was owed a refund. My bank tried contacting them multiple times over a period of 90 days. At the end of the 90 days, my bank refunded me the {$620.00} that I overpaid. XX/XX/XXXX at XXXX a debt collections company called me from XXXX and said that I owed the apartment the {$620.00} that my bank refunded me. I explained to them the situation and that I did not owe the money and that they could contact the bank who legally refunded me since the apartment did not. They claimed that it was " my opinion '' and demanded to know what documents I had to support that proof. I told them I had documents from the XXXX apartment stating how much I owed and they completely ignored me and kept stating it was " my opinion and not fact. '' The same debt collections company contacted me again on XX/XX/XXXX at XXXX and then again on XX/XX/XXXX at XXXX harassing me, demanding to know why I hadn't paid it yet. I explained to them multiple times that I did not owe the apartments any money and that the apartments are committing fraud by claiming the money as debt. I also told them to stop harassing me. Today I found out that they reported it to the credit bureaus and it went against my credit history. After disputing this with you I will be filing a complaint with the attorney general 's office for the fraud they are committing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In reference to my earlier complaint XXXX with LVNV Funding LLC, I have new supporting documentation of all accounts satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My original payment is {$250.00} a month I paid {$300.00} the first month the payment went down to {$210.00} if I continue to pay XXXX should n't the extra be applied to the principal they say it does n't because my normal payment is {$250.00} I thought my payment due would continue go down because the extra I am paying would go to principal instead of being like the original payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation