BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: Davis and Goldmark, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform Davis & Goldmark Inc. that I dispute the validity of this debt that you are claiming that I owe or for which your company is otherwise alleging that I have any personal liability or responsibility which you claim is in behalf of your client XXXX. 

I have no personal responsibility for this debt. 

Davis & Goldmark sent a collection letter dated XX/XX/2018 to me personally : [ see attached PDF file ] The address however [ see PDF file ] is the corporate address of [ see PDF file ] my company. 

All activity that occurs at this address is business activity associated with the corporation. 

All packages that are shipped from or delivered to the above address are exclusively related to the activity of the corporation. 

The letter from Davis & Goldmark states : XXXX delivered a C.O.D. package to you and payment of {$140.00} should have been collected at that time. For one reason or another, we show no record of receiving this amount. 

Neither XXXX nor Davis and Goldmark have identified the name of the sender, the alleged date of delivery, the type of package, its contents, value or or any other relevant information. 

Why would XXXX the tightest ship in the shipping business leave a C.O.D. package without collecting the amount due [ a package that by definition is to be delivered only upon receipt of cash on delivery payment by the recipient ]? 

Based on the identification of the perfunctory nature of the XXXX delivery activity in question, that Davis & Goldmark has provided in its letter, XXXX failed to satisfy their responsibility to their shipping client -- - and rightfully need to refund their client, the shipper, not to wrongly come after me personally for this that I had no personal connection to. 

If a package was indeed delivered to our company by XXXX as conjectured by Davis and Goldmark,  and XXXX failed to collect payment for the alleged delivery and for a package for which my company has no record of receiving that is neither the responsibility of my company and certainly not my personal responsibility to pay XXXX or Davis & Goldmark. 

In keeping with the " bottom-feeding '' disreputable nature of collection outfits, Davis & Goldmark is  evidently trying to bamboozle and intimidate me -- - as is apparently their stock in trade - and probably doing the same to numerous other people who have no personal fiduciary responsibility for the given debt .... just so Davis and Goldmark can strong arm as much revenue as they can -- - whether earned, deserved, relevant or not. 

Davis & Goldmark is misrepresenting, wrongly associating and fraudulently claiming the above as my personal credit obligation and personal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is Portfolio Recovery. They want payment on my paid debt on XX/XX/2008. Call every 3-4 days in different time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Rosebud Economic Development Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX is not licensed to practice business in the state Washington. Illegal loan interests ( approx 700 % ). I had two loans. 1st {$500.00} and 2nd {$300.00}. I was looking to have my 1st loan with intetest and principal amount refunded because loan was fradulent. I requested {$1500.00}. I contacted the XXXX XXXX loan manager via email several occasions. Beginning XX/XX/XXXX through XX/XX/XXXX. XXXX only refunded {$51.00} from the second loan and paid the loan in full.

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 2020-11-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2018-05-20
Company: PREFERRED CREDIT INC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my account should be listed as closed on my XXXX and XXXX  credit file prefered credit inc refuses to send me a letter stating my account was closed and has a XXXX balance i need that letter to prove my account was closed i am very mad at this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased and vehicle on XX/XX/16 for XXXX @ interest rate of XXXX - my monthly payments are XXXX Recently went on my account to determine my pay-off balance as well as the contractual terms.In doing so, I could not find my PRINCIPAL balance. I ask the loan personnel for a copy of my PRINCIPAL ONLY balance but was not given it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$990.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Charges were charged on my credit card without my permission and the credit card Bank of America is making me responsible the charges. I disputed these charges more than six months ago and as of XX/XX/2020 they have put the charges back on my account ... My credit card is in good standing.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2019-03-27
Company: LDF Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I asked to put the company in my debt management consolidation loan company and they said they don't work with those companies. The loan is allot higher than I expected. I'm working with XXXX to pay my debt off. Amplify won't work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Account # XXXX -- Navient changed my interest rate from a High 6 to a 9.75 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Simmons Bank is not willing to work with me on my matured real estate loan. I have asked if they can pause or extend the matured loan for 180 days like what the CAREs Act provides, but they have refused to do the extension. Here is the banks reponse for my request : On XXXX XXXX, 2020, at XXXX XXXX, XXXX XXXX XXXX wrote : XXXX , From my understanding of all of the lending managers that I was able to speak with today We are not allowed to do a 3 mth extension. Refinance is the only option. I am still waiting for a call back from the manager that oversees the portfolio lending, meaning a refinance that stays within our bank. I am trying to find out what the rate would be and what fees are involved. I sent to you last month what a secondary loan would look like as far as fees and the rate and that should be the same now. So, as far as our bank it appears there will 2 options we have to offer. Secondary or port refi. As I stated, I will find out what the fees and rate are on the port loan. 
When I have more information I will share it with you. I would like to help you if I can. 
Thank you XXXX This is what I asked for : I am requesting a 3 month change in terms/ extension due to the following reasons : corona virus/Oklahoma having several cases recently, I am not comfortable getting out in public at this time, XXXX/simmons not informing me that the loan was maturing till after the loan matured ( after I made several attempts to multiple employees to figure out what was wrong with the loan ), and finally I have never been late on any payment to XXXX or simmons bank. 

Let me know as soon as possible whether or not you can make file the 3 month extension. 

Please reach out and help me fix this with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was threatened with a lawsuit so I called this company whom I have previously paid other debts too. They agreed to biweekly payments. Debt was paid I have all my bank stayements showing the dates of payment to this debt. After it was paid I got a XXXX $ balance reflection and then the next month they rebilled me for the FULL AMOUNT again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

SYNCB/TJX DC, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX and 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 2020-07-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company XXXX, TX charged me for items I didn't receive and don't have. 

- I complaint to my bank credit card, Navy Federal Credit Union. 
- They said they will do an investigation - The company sent my bank an invoice but the item was not sent to my address. I do not know this address. It is also the first time I've seen the invoice. I was never provided an invoice by the company. 
- The company sent my bank a delivery tracking number, but it is not me nor did I sign for it. 
- Apparently, my bank believes this company that has a P.O. Box for an address. My bank credit card thinks I will just pay for getting nothing. 
- The amount is {$93.00}. 
- Attached document bank provided to me that the company provided to them. I never received any of these documents before the bank provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site XXXX XXXX XXXX   is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by experian but account XXXX XXXX was not removed off my report and XXXX XXXX XXXX still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info experian refused to remove account but a open account with XXXX XXXX with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with experian and is abuse of my name and personal 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 non-monetary relief
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.

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 2020-07-02
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:
Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2019, and XX/XX/2019, and XX/XX/2019, I have submitted multiple disputes about hard inquires to Transunion and they have refused to investigate or remove they are clearly violating the law. All they keep sending is it has to be XXXX years without even looking into it they would send the same letter every two weeks so I would resend the dispute

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