BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: EZCORP, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
A company called XXXX XXXX keeps calling " No Caller ID '' but once left a number of XXXX, the cuss at me and per the voicemail states " This XXXX is over '' and keep using false names such as a sheriff, a detective and the same lady keeps calling changing her name. The first time she used XXXX XXXX. She keeps stating she is picking up for warrants and I have no warrants. She states she will be at my house within the hour and they do n't show. Her scare tactics are very uncomfortable that she is acting as a legal community servant. I am contacting a lawyer to try and stop the harassment. They have also called my job which I am not sure how they got the number and release information about this matter to coworkers about my financial debt. They have not mailed me anything or emailed me documentation but still call every other day harassing me as well as my mothers cell phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: CURO Intermediate Holdings
State: IA
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:
XXXX   XXXX ,    2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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 {$8800.00}, {$8800.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -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 2015-11-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from credence consumer credit end of XX/XX/2020. While speaking to representative she mentioned amount owed and if needed to wait until I got my check book to pay. Didnt ask reasons for call. My response was I am disputing this charge. Representative took my information and assured me it will be looked into. IT WAS PUT ON MY CREDIT AS COLLECTION THAT DAY!!! No more correspondence at all other than my dispute it with credit bureaus. I can pay but do not owe this. I am being charged for services I did not use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Financial Credit Service, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that National Credit Adjustment recovered a payment for a debt that I never owed.National Credit Adjustment reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If National Credit Adjustment had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that National Credit Adjustment collected. National Credit Adjustment had no legal right to attempt to collect a debt as I never authorizedan account with their named creditor. National Credit Adjustment never validated this debt nor sent me a notice of collection. I have learned that National Credit Adjustment is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I pulled my credit report today to see if my score had improved based on recent payoffs ( as I am in the process of buying a home ) and come to find out my score had declined significantly. As I clicked through to understand what had caused my score to drop, I saw for the very XXXX time in my life, an outstanding balance of {$49.00}, reported by Trinity Asset Management llc. There is no information about where this " balance '' originated from what so ever. I have never once received any mail, calls, or emails regarding this " debt '' or " overdue '' account. I believe this to be a fraudulent claim and would like to request an investigation to validate that this is indeed not a legitimate claim. If at all possible, please handle this claim with a high sense of urgency, as I will not qualify for my home loan if this does not get addressed and removed form my CR ASAP. I appreciate your help and consideration. If you need to reach me for any reason, please call me at XXXX at any time. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX ( XXXX ), is attempting to collect on a debt that fell off my credit report several years ago. This debt is over 15 years old, and they 've called me five times this morning. I ca n't get them to send me written verification of this debt, and the credit card account number does n't match the credit card number that I had with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2015-06-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Paypal Holdings, Inc
State: MO
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
Well, i have been with Paypal for some years now. However, i have being charged for things i did not authorized. nevertheless, i was scammed with paypal and they seems not to do anything when i brought the issue to them. They are charging me bills for paypal credit and somehow sellers account that i never had or used. Therefore, i want my funds be refunded because when i tried to contact them again, my whole account changed to XXXX meaning that i can not use my account along with the money in it because i dont understand or speak XXXX. 

XXXX on the other hand, is a fraudulent organization that tries to reap everyone of their money. I traded in some books i bought from XXXX for gredit to my account. However, i was charged separately and keeping the gift card i earned and tried to sell it back to me and charged me for everything i bought with my gift card. 

My name is XXXX XXXX, my email is XXXXXXXXXXXX or cell : XXXX. XXXX to hear from you guys soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy XX/XX/2015 I continue to get calls from these debt collectors even though the charges have been dropped. When I answer there is rarely anyone on the other side and they call often

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 2016-02-18
Company: Risecredit, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Something needs to be done about this dishonest company -- Elevate. Consumer has filed a previous complaint, but this company lies and deceives to the point where no consumer agency has figured this out. Company is reporting that I am 30 days late when the payment was due XXXX XXXX, XXXX with an extension to XXXX XXXX, XXXX -- due date every month is the XXXX with a 7-day extension option. According to a letter dated XXXX XXXX, XXXX from XXXX, XXXX is reporting a XXXX late. This is in retalitation of the complaint I have made with this agency and a state agency. Elevate is, knowingly, reporting incorrect information to XXXX in violation of Fair Credt Reporting Act. I have called Transunion several times to dispute the balance on this account, and now this bogus 30-day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Bank of America which I had been banking at for over 15 years on about XX/XX/2020 saying they were closing 2 of my accounts for no reason. The letter looked odd but had a number so I called it but a recording said there was nothing I could do. Since I had banked at B of A for so long I went to the branch I bank at and spoke to a XXXX XXXX who made some calls and assured me that the letter was fake and to not worry about it. That is the only correspondence I received but then earlier this month I could not pull up these accounts and went back into B of A and spoke to XXXX XXXX who I have know at the bank for years. He could not do a thing and confirmed the letter was real and that per all of their agreements they can close my accounts anytime they want. Needless to say this was a shock as I am a small business owner that has used them for 15 years and now I had over {$200000.00} in their bank and I could not get to the funds. My accounts were closed so I had payroll for my employees bounce and many checks bounce because B of A is ( ) fill in the blank. To make matters worse I still have not received all of my fund yet from them so for over 2 weeks they have kept some of the funds.This has caused me great problems with suppliers that I have done business with for years.

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 2015-09-29
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Somehow this collection agency calling itself IC Systems got information about a medical bill that I am waiting to hear about financial assistance from the hospital about. I sent them a letter saying the debt was not valid. They did not send anything else to me. I just found out they put something on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Age/retirement status discrimination. 

I assisted my mother in applying for a Paypal Credit line and she was instantly denied. I then tried to apply myself and I was instantly approved for {$500.00}. Then I tried to raise my credit, and was denied. Paypal 's service stated that there would be an email followed by a letter describing why my mother was denied. I received an email promptly upon denial for the credit limit raise as well as a letter within 5 business days with my XXXX credit score and reasons for denial. My mother, however, did not. I have contacted Paypal on three occasions now and was hung up on and given a run around on the first message communication which disappeared. I have submitted another message communication on their support site and the employee is telling my mother to reapply repeatedly in order to check if she can get a Paypal line of credit and refuses to acknowledge or address the fact that she was denied proof of reasoning through a respectable credit reporting agency, specifically in this case XXXX which is what Paypal is using. 

Considering my score is XXXX and my mother 's is XXXX, her credit card is connected to me so I reflect those debts and revolving accounts, and I have a negative medical debt, as well as no job or income, it makes no sense that she would be denied while I would be approved. That is, however, less important than the fact that they are denying her proof of denial. Others have said they think Paypal is performing age discrimination/retirement discrimination as they want young, debtable, work-able customers to keep money flowing but none have taken steps to push the issue and hold Paypal accountable. This is the only step I found to take so I am. I do n't expect Paypal to accept every application but I do expect them to provide proof as promised and is her right of the method and reasoning used to deny her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Coastal Credit, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
There is a company that has called me daily for the the past 3 business days. They are leaving threatening messages for members of my family on my telephone number. 

I answered two of the calls today and the man, XXXX stated I was lying and repeatedly called and left threatening messages. 

This is the message they left : this is XXXX contacting you once again in regards to a case is ready to be filed through XXXX XXXX county I've reached out to you several times over the last few days and all correspondence has been ignored at this point they are intending on proceeding with the order of location for _______ to your residence understand that he does still have a legal right to contact the office filing the case I will provide the information to that office once again just said that there is no way for you or him to state that you had no prior knowledge of this matter the phone number provided to that office is XXXX this is considered a final legal notification by telephone and ______will be located at your residence unless I'm instructed otherwise This is not a legal matter as I called back to verify and they are calling, harassing, regarding very old debt. 

In addition, I explained this is not those persons numbers and they still called. One lady said the company name is Coastal in XXXX Georgia.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-12
Company: I.C. System, Inc.
State: NJ
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 do n't owe Ic system, i did n't open an account in XX/XX/1016.They have nothing with my signature, i believe it 's a scam.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the XXXX  Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted

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 2015-08-25
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I recently purchased an item on Ebay and as with most purchases, had to pay with Pay Pal. I hit the button to go to Pay Pal, completed what I thought was the information to get into my account, which I use infrequently and completed my transaction. Yesterday I received a notice from PayPal Credit welcoming me to PayPal Credit and informing me that I owed them {$89.00} for my purchase. I called the number on the form letter and was told that I had signed up for PayPay Credit during my transaction. I told the gentleman that I wanted the account closed immediately and there was very little push back from the person. My sense, frankly, was that I was not the first person to have been deceived in the process of trying to get to my PayPal account.

Company response to consumer: Closed with explanation