BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Portfolio Recovery Associates alleges I owe {$910.00}. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$910.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Via XXXX XXXX, a general contractor advertising landscape improvement financing with zero interest rate, we secured from Wells Fargo XXXX XXXX a loan in the amount of {$35000.00}. The balance of the loan/credit card XXXX of {$17000.00} was due on XXXX XXXX, 2015. We did n't receive the statement for XXXX or any letter advising us that the balance on the loan/Visa was due in full of XXXX XXXX, 2015 otherwise we would have to pay Deferred Interest charge for {$11000.00}. The Deferred Interest or fine is more than 66 % of the balance! How can CFPB, FDIC or any agency allow financial institution to pay on consumers this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NC
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:
Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in the city of XXXX in XX/XX/XXXX. Rocket Mortgage is my lender. Since XX/XX/XXXX my property taxes have been overestimated. Rocket Mortgage estimates that my taxes are {$4600.00} but my actual tax bill for XXXX XXXX was {$2700.00}. I received an escrow reimbursement but the company continues to over estimate my taxes. I have called several times and I have escrow analysis completed per my request to no avail. The following are the dates of escrow analysis that I requested : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were all completed by Rocket Mortgage but resulted in no change necessary. I have emailed and uploaded my tax bill for XXXX XXXX taxes which clearly states my home 's taxable value of {$32000.00} and the XXXX  % of 100 % and as a XXXX Property class. There is no reason at this point that my escrow balance should be so high. I talked to multiple different specialists and while they agree that I am correct, they tell me they don't know what should be done to fix it. They have also requested research be conducted and the research always comes back stating that my taxes are estimated at nearly double of what they are in actuality. 

I feel that this company is essentially holding my money XXXX since I am unable to use it and it is not accruing any interest while in the escrow account. How many other clients are experiencing this? It seems like it would be a pretty convenient way for a large company to claim to have more liquid assets than they actually do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Nelson Cruz & Associates LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A person from a phone number of XXXX on XX/XX/2022 at about XXXX EST called and asked to speak with me. When I asked who was calling the person gave a personal name and did not identify themselves as calling on behalf of an organization. I refused to confirm my identity, and I asked them why they were calling, and they repeatedly stated in a rude and aggressive manner that the matter they were calling about was a sensitive matter and could only speak to XXXX XXXX. Not once did they give the name of the organization they were affiliated with and the number itself appears to be spoofed number. I looked up the number and it appears to be associated with Nelson Cruz and Associates- and appears to be an " asset recovery '' organization. Their number appears to be XXXX and they appear to be located on XXXX XXXX XXXX, XXXX XXXX in XXXX, Texas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
For going on 3years i have been trying to work with this company on getting this account removed from my credit, i had an apartment in which i stop paying rent due to repair issues the apartment complex never made. We went to court for non payment of rent, i showed the judge my supporting evidence to my claims why I feel I did n't owe rent. The judge agreed with the evidence and enter a no money judgement and said they would have to open a new case to sue me to determine the final amount owed if any. The apartment complex never did that. The apartment complex sent my account straight to collections where they are trying to collect and i also have them on voice recorder saying they offer a pay to delete. They have also harassed me and threatened to take me to court by their lawyers which never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. 
He said a 'personal matter from a collection agency '. 

The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. 

This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. 
And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. 

This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. 

GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. 

THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: IL
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 turned 21 and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN ODA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER, US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Account information incorrect

Complaint:
Company is in violation of 15 USC 1666b and 15 USC 1681b. they are reporting inaccurate information on my consumer report, one, without any written instructions from i, the consumer, second this inaccuracy is hindering my ability to obtain credit and its also defaming my character,. this is embarrassing and damaging my livelihood. Ive put the company on notice already and i would like them to properly do their job and stop violating consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXXXXXX XXXX account # XXXX Navy FCU # XXXX XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ENOVA INTERNATIONAL, INC.
State: MD
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:
Net credit is not providing update information to my credit report. Net credit shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Harris & Harris, Ltd.
State: OH
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 the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Smith & Smith Investors LTD
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife has received another letter of default from XXXX XXXX XXXX. XXXX has improperly submitted at least XXXX claims against my wife for debt which the original " creditor '' has failed to send to insurance for payment. 

XXXX XXXX XXXX has failed to correctly file insurance payments even after repeatedly being informed of the correct insurance information. In at least one instance, XXXX XXXX XXXX sold the debt to XXXX adjustment and then filed the insurance claim and received payment for that claim. 

XXXX adjustment was informed that their recourse to the previous debt for which insurance payment was received was to contact XXXX XXXX XXXX. XXXX was also informed in writing that any further invalid collections which were submitted by XXXX XXXX XXXX would constitute harassment. XXXX has again tried to collect on an invalid debt. 
This debt appears to be exactly like the one which XXXX XXXX XXXX failed to properly file with insurance. Please note : XXXX XXXX XXXX has in the past turned the debt over to collections two days after the date of service thus not allowing any time for payment to be received from the insurance company. 

Please note : At no time has XXXX XXXX XXXX EVER submitted ANY bill for services directly to my wife. I am astounded that medical services could be provided to anyone without that company having some manner in which they can identify the patient. 

I find it particularly troublesome that XXXX XXXX XXXX and XXXX XXXX have never submitted anything resembling a bill with a due date or a past due notice. They both go straight to collections actions ( and they both know the correct name and address ).

Company response to consumer: Closed
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax sent me a copy of my credit file stating that my name was reporting correctly but it's not it still reporting wrong last name on my credit file under the last XXXX, my only name is XXXX XXXX not XXXX please remove all other names that doesn't belong to me I have attached documents to show who I am and what my last name is please correct the error. 

XXXX is reporting a last name on my credit file under the last name XXXX, XXXX XXXX is my only name please remove all other names that's reporting on my credit file and XXXX is reporting an address which is XXXX XXXX XXXX # XXXX XXXX NJ XXXX I have repeatedly express to them it is not my address I do not reside there, and I do not receive any mail at that address I have sent in documentation with my address were I receive mail and reside XXXX is willing fully leaving this address on my credit file after receiving documentation that I do not reside at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This problem concerns Venmo, the online money transfer service that operates under the PayPal license. On XXXX XXXX, 2022, I had a balance on Venmo of {$1600.00} and initiated a standard transfer to my checking account at XXXX. Venmo stated that the transfer would be completed by XXXX XXXX, although the website notes such a transfer takes one to three business days, which means it should certainly have been completed by XXXX XXXX. That did not occur. On XXXX XXXX I emailed the company through the help function of the mobile app and received an email from XXXX XXXX about XXXX hours later ( request # XXXX ), stating : Our engineers are aware of the issue and are working on a fix. On XXXX XXXX I chatted with customer-service agent XXXX XXXX using the app, who stated : It seems to be a bug in the system. I think it will be resolved today. On XXXX XXXX, the money had still not arrived in my checking account, and I called Venmo at XXXX. XXXX XXXX confirmed that the money was held up because of a bug, and that I would receive it later that day. Again, that did not occur. At no stage in this process did Venmo proactively send an email saying that the transfer would be delayed beyond their usual window. I did a search on XXXX and discovered that at least half a dozen other people who initiated a bank transfer on XXXX XXXX are also having this problem ; some reported that they had been told Venmos servers had crashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: LEXISNEXIS
State: PA
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:
I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named LexisNexis. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I paid off my Alaska XXXX with the State of Alaska and it shows that I still owe XXXX plus on my Equifax credit report. The State of Alaska did not remove and show it paid on time in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
I fear that I may be a victim of Identity Theft!! The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. Subsequently, how is that possible if Experian had two different social security numbers attached to my file? This is grounds for removal of all negative accounts and inquiries on my report, they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also, the Credit bureaus had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. That damage will forever be irreparable due to the high interest rates, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report. 

Experian has updated the social security number for my account, but Experian is still reporting accounts that were mixed into my account. At the date of this letter, so far it has taken more than 17 days to complete my investigation. 

Here are my certified mail tracking number ( s ) : XXXX ; XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation