BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-12-12
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hello, I have been using CashNetUSA since XX/XX/XXXX, Line of Credit ID Number : XXXX The current interest rate for this loan is 0.819 % I've paid this loan off a total of four times over the past 5 years. It is time for my debt to be forgiven. 

Additionally, on XX/XX/XXXX, I sent a letter requesting the following information : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Virginia.

5. License Number of CashNetUSA Rather than provide me the information requested, they sent a generic response with no definitive answers to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Under hard inquiries, XXXX  is still on my equifax report.This hard inquiry is fraud and unauthorized.I have disputed this several times and demand it be removed.I have produced evidence as well.Legal action will take place if this hard inquiry is not removed and my credit score doesnt increase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For about a Month and half ago starting in XXXX I would get repeated calls from XXXX at least 4 calls a day, I asked they stop calling me, then a few hours later they would call again, When I call the number back, its says Thank You for calling Paypal, But its not paypal its a collector trying to get my information like my First and Last Name, Address, and Social Security number, I refused, I personally dont have a paypal account in my name, Just my husband but his account is paid in full. Today my son Took the Call and Talked to a Women named XXXX at XXXX, My son told her many times to stop calling, the women said its this matter is taken care they would be calling again, sure enough at XXXX XXXX  they call again, I will be reaching out to a Lawyer because they are harrassing me, and at XXXX and recently was in Hospital I dont need this added stress. I dont owe Paypal anything. Here is the Last 3 days of calls XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX, XXXX I have more from Last Month and the Month before, XXXX finally gave my son a mailing address in XXXX, FL where tomorrow I will be sending a Letter to Demand this to Stop, They are breaking the law by repeating calling and demanding my personal information and trying to take money for something i dont owe. My son told XXXX that he was Planning on calling the XXXX XXXX XXXX in XXXX, FL to start a legal case agaisnt this collection company,

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 2020-05-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Dispute XXXX ( ERC Collection ), XXXX Credit Card, XXXX XXXX XXXX. In XXXX 2018-present with the 3 major credit bureaus, asking them to validate the following debt, under the fair credit report act, over three times. Being that this information is not valid. I have also set letters of Validation not vertication to each collection agency, there has been no response or just a copy of bill, that is not proof that These collections are valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/18, I contacted XXXX to settle a past due debt. They informed me that my account was being handled by Diversified Consultants and gave me the number. I immediately called Diversified Consultants. I explained that I wanted to settle the debt of XXXX that is reported in my credit. The representative gave me 2 different amounts, each time putting me on hold as if he was speaking to s supervisor, before we both agreed on an amount of {$500.00} plus change. I asked him to send the settlement to me in email so that I could have it in writing before paying. He told me he didnt have access to email. I then asked him to mail it to me and I would pay it although I wanted to pay that day. He told me they dont do that unless you give them a credit or debit card to put on file first to know that you are serious about paying the debt. I told him that I was not going to give my card number to anyone without confirmed amount so that they could take my money then state that they did not agree to the settlement. He then said thats why they recorded the calls. I again explain that it was not smart for me to do that, I asked fo the letter again, told him I was going to pay that day once the amount was confirmed in writing. He would not budge and began to raise his voice when I asked for a supervisor. Hed told me the supervisor was going to tell me the same thing as he did so I ended the call without a resolution. The next day I received calls and got hung up on twice by a different representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NC
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
Double jeopardy Chrysler capital Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of XXXX XXXX XXXX amounts incorrect the used information that I gave them lately to up date to keep on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I have a XXXX account which I had been using successfully for a few months. My last transaction sent to XXXX was for XXXX on the XX/XX/XXXX which successfully went through. 

Just before the money arrived in my XXXX account, I found that I could n't login and that my username or password was incorrect. After attempting to gain access many times ( I know the password ) I went for a password reset which, again, did n't help. 

Now it says my account is disabled and to contact support, who have not replied and are of no help at all. I 've tried contacting them through all of the different channels, and they are not responding. I do n't know why my account is disabled, I do n't know how to get it reactivated and they have my money. I feel like XXXX is a complete scam. 

Please help, I 'm not sure what to do now. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2019-04-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We previously filed a complaint regarding a charge of a Faulty Service received by a mechanic shop named XXXX in XXXX, GA who have defrauded us of our monies regarding his claim to repair our Transmission where we paid {$1700.00}. We sent in proof to Wells Fargo Bank twice in XX/XX/2019 & XX/XX/2019. We provided pictures of the Text Messages sent to the Mechanic regarding our continued issues with the vehicle. We also provided an estimate from another Mechanic called XXXX XXXX in XXXX, GA who also confirmed that the vehicle transmission was not repaired and was still leaking. We sent this quote and writeup invoice information to the Wells Fargo Claims Department as well. We sent documentation in 2wice after they claimed they did not receive information. After they received the information again in Feb/Mar this year the claim and temporary credit was suppose to remain on the account because they received proof regarding the Faulty Service received by the XXXX mechanic. However, we receceived another letter today stating they will be deducting {$1700.00} from our account on XX/XX/XXXX! We provided the proof and there only default on the letter is that It was authorized.. We know it was initially authorized, but it was disputed because of the Faulty Service received . Our vehicle was not repaired. It was also similar to the {$500.00} which was part of the same claim number and they stated the credit would remain on the account and this was the same scenario. So how can you state you will be pulling {$1700.00} out of our account and it is relating to the same claim # XXXX. We can not afford to have our monies deducted from our account on XX/XX/XXXX because it will also create an extreme Financial Hardship. Wells Fargo received the information regarding this claim 2wice and reopened the claim today after we called in a 3rd time. However, they stated they are still taking the money out. Our monies should not be taken out of our account because we provided the proof and details to Wells Fargo 3 times and believe the Claims Department is giving us a hard time regarding this matter instead of helping the Consumer who has my monthly Direct Deposits coming into Banking institution and I should not be treated in this ill manner and disregarded as a U.S. Citzen and U.S. Veteran who has served my Country. This action should not be taken out 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 2022-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX did not.disconnect my cable when I asked them to and claimed I was locked into a 2 year contract when i had my package for well over 2 years. By disconnecting my account for nonpayment, then reconecting after I paid my bill they said I was locked into a new 2 year contract. My balance was paid when I called to cancel in XXXX and they continued charging me. I had moved out of their service area and no longer needed their services. They continued charging me almost {$900.00} before finally disconnecting my services. I have disputed with the credit bureaus, the collection agency XXXX XXXX XXXX, and with XXXX. I filed a complaint with XXXX as well. XXXX said they were investigating and would call back in 48 hours and it has been over a week. I called them and they said they do not see an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan with Tidewater from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made my XX/XX/XXXX payment which was due on XX/XX/XXXX. With a customer service rep via phone on XX/XX/XXXX due to moving in a new home. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX being a Sunday & XX/XX/XXXX being a holiday ( XXXX XXXX XXXX ). That Tidewater would not report my account as being paid 30 days late. 2 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Tidewater actually did report the account as being paid 30 days late for XX/XX/XXXX. Which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back. 
THIS IS NOT A NEW COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX, Centralized Executive Office of Escalated Complaints received and acknowledged my concerns regarding the deceitful and fraudulent implicit business practices the Branch Manager of local XXXX, Texas XXXX XXXX XXXX XXXX branch, attempted to use cross-selling scandal techniques after Wells Fargo is actively paying fines for this practice. XXXX XXXX along with resolution specialist apologized for the occurance but indicated the branch would not offer monetary compensation for punitive damages for loss of earning capacity.

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 2018-04-10
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified in XX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet againXX/XX/XXXXreported late payments for XX/XX/XXXX andXX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.

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 2018-01-09
Company: Shellpoint Partners, LLC
State: TN
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:
A hard inquiry was made into my credit report on XXXX XXXX, XXXX without my approval or knowledge. I communicated with a mortgage consultant at XXXX XXXX XXXX about refinancing my home, but I did not complete an application and I did not approve an inquiry into my credit report. This inquiry apparently dropped my credit score by 5 points. I would like to dispute this inquiry and have it removed from my credit report. 

Date : XXXX/XXXX/XXXX Company that made the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ; ( XXXX ) XXXX Email : XXXXXXXXXXXX

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