BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I did not find a category that accurately matches my complaint. 
I discovered today that there is a collection on my credit report for XXXX dollars from LJ Ross associates, account number XXXX. 
I never received any letters, notices or phone calls about this matter until I saw it on the collection report. It turns out it is an electricity bill for a property I don't even own anymore. 
I paid this debt immediately, without even knowing if it is my debt or not ( as mentioned, I received no documents whatsoever ). 
I was told by the representative that they will put in a request for removal from my credit report, however I have not received so far any document confirming that. 
I was also informed that it may take up to 30 days for the information to come off my credit report. 
This significantly affects me since I am in the process of buying a home. 
I think this collection agency failed to do their job appropriately by not providing me with any notice whatsoever prior to reporting this debt to the credit bureau. Had they done that this matter would have been resolve a long time ago, I didn't even know this debt existed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am writing to complain about a new practice at PayPal of holding money paid for goods and services. I sold a bike frame to someone. They paid via PayPal for goods and services. PayPal put the money on hold after they took their 3 % cut to protect the sale. I sent the bike frame, put the tracking number in the PayPal system, and the bike has now been delivered. 

However the funds have not been released. Even though we are within business hours, there is no way to contact a human at PayPal to discuss this. I have tried multiple ways for hours. 

This hold is explained as reflecting the unusual activity or risk or other issues. Yet I have paid 3 % for them to move the money. And I do not fit any of the categories that they claim on their site explains the hold. This is not unusual activity fro me, I am not a new customer, my account is very old, and I have an XXXX credit score and no " risk '' to explain. 

And there is no way to get this money released as far as I can tell. I have done what they say to do. The buyer has the goods. The money is not released. And there is no way to contact them. 

I'd also emphasize that I did not agree that the money woudl be held. They did this *after* the transaction was done. I think this is fraudulent. They should at least be required to say before the transaction is finalized the money will be held, and they must have clear criteria for the release *and* personnel available to discuss problems. 

Anyway that is my complaint. There is no choice but to use this company. They should not be allowed to act like this. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am getting harassing phone calls all day long from a NO ID number from First National Bank of Omaha First bankcard credit card and I am not even 30 days late on my payment. They start harassing me as soon as I am one day late and it's all day long sometimes. With COVID I am late making payments because I am getting paid late. Thus is the second time and it's worse than the first time and I am still paying my bills. It's not like I am not paying. It's becoming a nuisance and interrupts me at work. Outside of COVID I have never been over 30 days late. There is no excuse for this harassment. I am an adult and none of the other credit cards even bother to call if I am late or miss a month. This needs to stop. It's causing my XXXX to XXXX and XXXX  my XXXX even because it's pure XXXX  harassment. I tried calling them and the wait time was so long I can't sit on hold and run my business. It's all too stressful. They need to wait 30 says before harassing people.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-09-23
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
Department of Education/Nelnet opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Information belongs to someone else

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report Equifax Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Resurgent Capital Services L.P.
State: IN
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:
The original creditor closed my credit card then it was turned over to LVNV Funding LLC. I sent the collection agency a letter asking for my signature as proof for contract with them. They failed to provide signature but instead sends me some literature on credit cards with that company. After sending more certified letters to the collection agency I receive letters from another collection agency stating they are collecting also. This has been going back and forth between LVNV and Resurgent Capital Services. 
Always calling my phone and telling me I need take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text from Wells Fargo on XXXX  XX/XX/XXXX : " Free Msg- Wells Fargo Fraud Alert- Did you attempt to do a XXXX transfer for the amount of {$1500.00}? Reply YES to authorize ; reply NO or 1 to decline transaction ''. I've received messages such as this previously, so I responded No and received the following text : " Thank you for your confirmation case ID XXXX ''. Within minutes I received a call from a Wells Fargo phone number and the guy on the other end was able to convince me to go through with a a XXXX transfer of {$1000.00}. He made me panic and feel like my bank account and information was compromised! He truly sounded like a Wells Fargo employee and they had all of my information. I am young and savvy, use XXXX and XXXX, but I had never heard of XXXX before this day. I immediately opened a fraud case with Wells Fargo, which was denied, though I feel like I should have recourse under the Electronic Fund Transfer Act. It is frustrating that it's impossible to know if the bank calls if you're being scammed or not! Further, I don't see any of the letters/ documentation regarding my claim on their online portal, which leads me to believe that they just want consumers to forget about it once denied. I have no idea what steps to take to recover this money

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 2021-09-13
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original loan in XXXX, conforming fixed with 20 % down National City Mortgage Bank Refinanced in XXXX for lower rate ( Loan amount {$370000.00} ) Same lender XXXX or thereabout National City acquired by PNC Bank XXXX I lost job during great recession. 
XXXX I used up my savings to pay mortgage. 
XXXX Applied for hardship relief. Was given huge run around for approx. 15 months. 
XXXX was offered a modification that added my arrearage to the principal balance and Increased my payment. I had no choice but to accept. 
XXXX another unemployment, and another modification request. More runaround. 
XXXX a better modification. This one lowered the principal amount to $ XXXX, but added $ XXXX as a no interest balloon payment at the end of the loan in XXXX. 
XXXX I requested multiple times to have a breakdown of what was included in the $ XXXX. Was never able to get an answer until XX/XX/XXXX. As expected, the amount is made up of unpaid interest, taxes, Insurance, penalties and late fees and whatever junk fees accumulated during the periods of delinquency. 
I should probably point out that PNC subjected me to every mistreatment you ever heard happens during a modification, including, but not limited to : excess wait times on the phone, clueless customer service agents, multiple harassment phone calls, tons of threatening letters, endless requests for documents, empty promises of modifications agreements in the mail, auction notices, etc. I had many sleepless nights as a result of their incompetence/unwillingness to work with me. 
They are now claiming that the $ XXXX is legitimate. However their documentation is so poorly laid out that it is hard to determine. Also, an interest free balloon payment isnt what President Obama had in mind when he passed XXXX. 
Additionally, I am now XXXX XXXX XXXX and collecting Social Security. I was working until the pandemic. Now I am on XXXX. As is my wife. We have $ XXXX left of the mortgage, which we have been keeping current for the past 5 years. We are just trying to get relief from the $ XXXX balloon payment due in XXXX, when I will be XXXX XXXX XXXX! 
XXXX - I hired an attorney to look into this issue. He wrote a letter to PNC, suggesting that $ XXXX would be a fair and reasonable adjustment. The Customer Service department responded ( not the legal department ) that no adjustment was warranted. As part of their justification, they mentioned that we had been the beneficiary of some {$25000.00} from the XXXX XXXX XXXX XXXX, which is true, but had absolutely nothing to do with PNC, other than that they were the recipient of all the payments! 
My attorney decided that PNC would never be cooperative, and said that he did not want to accept any more money from me in what he felt would be a waste of time. He recommended CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see attached documents written regarding an escrow refund that I have yet to receive since XXXX 2017. Document one was sent to my original lender regarding the issues I 'm having with no response. Document two is the trail of emails between myself and their " Account Executive II ; LC-Client Relations Department '' who I have not heard back from in over a month after the Lending company forwarded my letter over to her to help me get resolution on the issue. There is a document of the police report regarding the theft of my check that was sent to Loancare as well. I spoke to an XXXX, XXXX, XXXX and 3 other rep 's since yesterday who have not solved the issue or returned my calls. The money was stolen from Loancare and as I understand they need to pursue getting the money back from the person that stole and deposited the funds to their own account, that has nothing to do with the fact that they still owe me the overpayment in escrow fees for my supplemental taxes that are now past due as of XXXX-2017 because I was told the money being refunded was the money they collected to pay them for me and never did. I have done all the research for them to find the person that stole the money, where they deposited the funds ( XXXX XXXX ) and opened the fraud case with that company and gave that info over to XXXX as well. I have made phone calls and emails to XXXX XXXX multiple times since XXXX-2017 with no response from her to date. The rep I spoke to today stated I needed to wait 90 days for them to finalize their investigation but I 've waited since XXXX-2017 and been given false information from multiple rep 's of where my money is at or when it would be delivered to me. They wo n't allow me to speak to anyone other than a customer service rep or a customer service supervisor which neither can help me in the process. They continually place me on hold, tell me they will call me back when they never do and I 've lost an estimated 80+ hours of work time due to working on this issue with still no resolution. I am owed {$3400.00} from Loancare that they have not delivered to me.

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 2017-09-19
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I received a bill from XXXX XXXX ( Hospital of the University of XXXX ) for {$1100.00} for routine maternity laboratory tests, which should have been covered by my insurance provider, XXXX. 

I appealed this bill with XXXX and informed XXXX XXXX that I was appealing this bill with my insurance provider since it should have been covered under routine maternity care ( XXXX was provided a letter attesting to this by my XXXX doctor ). Even though I informed XXXX internal collections department that the charges were under an appeal process and provided them with a reference number for the appeal, XXXX XXXX sent the bill to collections. 

So I informed the collection company ( Arcadia Recovery Bureau ) in writing that the bill was under an appeal process within 30 days of receiving the bill from them. Arcadia responded stating that I should make the personal payment in full and request my insurance carrier to reimburse me directly. Again, this is a predatory business practice. A separate complaint has been filed against Arcadia Recovery. 

My insurance company XXXX responded to my appeal ( case ID XXXX ; Claim ID # XXXX ) and ultimately determined that I do not have to pay the bill since it was considered part of payment for other services. Despite this, I am being coerced to pay the bill by XXXX XXXX and Arcadia Recovery Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Old information reappears or never goes away

Complaint:
Department of Education/XXXX  opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to dispute and resolve the debt with mcm in XX/XX/2017 but till now no one called me to resolve and no notification received

Company response to consumer: Closed with explanation