BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after sending the final statement from XX/XX/XXXX. The original creditor has verified the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
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 information incorrect

Complaint:
XXXX XXXX is reporting account number XXXX twice as a charge off account to Equifax. On page 23 of the Equifax report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the Equifax report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact XXXX XXXX Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, XXXX XXXX has refused

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Castle payday -aka- Red Rock Tribal Lending, has continue to take money from my checking account that I do n't remember authorising.They say it was for a XXXX XXXX loan which I was to pay XXXX dollars a month.I do n't remember making this loan, but it was on my bank statement, so I thought maybe I did.I have paid them for the last seven months and they say I owe more.Can you help? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I borrowed XXXX from Big picture Loans and have up to date paid them XXXX with still more to pay bi weekly, at 803 % with payments going all the way to XXXX 2017. I closed my checking account since I can not seem to keep with this bi weekly payment of XXXX, this absurd please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Bronstein & Weiss Arbitration
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I just received a phone call from someone whom these people called looking for me. While I was on the phone with them I looked up their company and found all this information about them scamming people therefore I also would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: MD
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:
Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.

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 2017-03-21
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COLLECTOR FAILED TO SEND VALIDATION LETTER ALONG WITH INFLATED FEES AND IS COLLECTIONG WRONG AMOUNT. THERE IS A TAX LIEN ON MY PROPERTY IN THE AMOUNT OF {$800.00} AND A APY OFF OF XXXX, WITH WILL BE PAY ON XXXX/XXXX/2016 VIA HUD-1 CLOSING STATEMENT SOLD HOUSE ETC..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: North American Credit Services
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency reported on my credit report while other collection agencies are trying to collect the same medical debt. My employment offered XXXX health insurance and I went to be seen at the ER and used the insurance. I was not aware that I was billed for the services and waited to see if my employment was taking care of it. The contract ended and then I received several notices from ( XXXX ) different collection agencies about this. I received a letter stating that I had ( XXXX ) days to dispute the account. I sent ( XXXX ) letters off, certified mail, to a XXXX Solutions and a law office by the name of XXXX XXXX XXXX. I do have the tracking numbers for both letters and they were picked up before the ( XXXX ) day mark. XXXX XXXX XXXX returned my letter, stating that I had to sign the letter and would n't validate the information as I typed the letter. There is no law that states that the time halts when a collection agency refuses to send the info. I check my credit report and XXXX is reporting this account now. It is a fresh report as this was not on my credit a few days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
JP Penney claims that they sent the bill of {$5.00} to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from XXXX to 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
Consumer complaint received 2021-12-18
Company: Coinbase, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There are two Unauthorized Transactions on my Coinbase Card. First unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX and the second unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX as well. I never made the purchases with the merchant. Its a scam website. However, Coinbase responded nothing to me after I officially told them those two transactions are unauthorized transactions. Please help me from the financial fraud. Coinbase should take actions to get my money back. However, they are not doing that. Its so bad!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Social Finance, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the Sofi Credit card via a referral link. The link indicated we would both get ( the person who referred me and myself ) 4 % cash back for the first 30 days. We only recieved 2 % cash back. The company refuses to give the extra cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The XXXX card was opened over 10 years ago then when it was sent to portfolio recovery I was not notified and when I tried working with the company to see if I could make payments they would not comply and also would not recently comply with my credit counseling service when I was working to consolidate and pay off my debt. Then I was summoned for a hearing saying I was being sued without notice and they then said I did not show up to the hearing when I did n't know when the hearing was in the first place. Once they refused to work with my credit counseling company I stopped receiving anything from them and was never told how to payoff this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: IL
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:
There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, XXXX, Experian, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. XXXX, Experian, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on Experian with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.

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 2016-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery of GA ( latest number XXXX ) keeps calling. XXXX research indicates this is a collection agency. I owe nothing but a mortgage which I pay monthly. I have no debt problems. XXXX research indicates this firm just calls and calls. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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 submitted several Identity Theft Reports and Dispute to Experian regarding an account that they refuse to remove from my credit report. XXXX XXXX XXXX is claiming that I owe them {$220.00}. I have no knowledge of this account and filed an Identity Theft Report for Experian to review. I requested that Experian comply with Federal Law 15 USC 1681C-2 ( A ), and DELETE/BLOCK this account, the law states that they MUST honor it, however they disregarded my request and claimed that I am responsible for this debt. Experian has not sent me any PROOF or VALIDATION showing that this account is mine, they are simply agreeing with the alleged company allowing them to collect a debt from me that is not mine and furnish inaccurate information on my credit profile. This is wrong and I feel like my rights as a consumer are being violated, and ignored. I recently filed complaints with the BBB, and my States Attorney General I am hoping that my complaint is resolved as I am already suffering damages due to Experian 's negligence and non-compliance with Federal Law.

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 2016-03-01
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX, that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling, most people have deadlines, them suspending my card and not being available to turn it back on and then hanging up on me because I needed my funds and became stressed when they where not available. XXXX Id XXXX refused to give me an accommodation and stated she does not do " that '' I asked to speak to someone who could accommodate my XXXX but XXXX hung up on me after threatening me that I would not be served by anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a letter on XXXX/XXXX/XXXX advising me that I owe {$1800.00} to the City of XXXX for Parking Tickets and No City Sticker. This is the first time I am hearing about this and the letter states that my opportunity to contest this has expired. The dates of all of the tickets are in the year XXXX. I have lived in the City of XXXX, State of Washington since XXXX, XXXX. I have not been back to XXXX for at least 10 years. This has to be a case of fraud and I am not the XXXX XXXX who got these tickets. The Law firm is Linebarger Goggan Blair & Sampson , LLP and they have threathen to garnish my wages, my bank account and file a lien against my property. I am XXXX yrs old and receiving Social Security. This company did n't even do their work to verify that they have the right person and have now waited 4 years later to inform me of this. Please help me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: TX
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:
I have taken the steps toi attempt to get my personal information, updated and corrected. I have sent the documents that are current and legal, my legal name is on my state issued drivers license in the State of Texas, and my Government issued Social Security Card. In my dispute of what is being reported, Equifax credit Bureau, continues to not change the incorrect spelling of my name. Equifax continues to list my reports with my middle name with an letter. Instead of the full spelling of my name. I have sent documents that are current and legal, but yet they continue to put a letter only for my middle name. Instead of my full middle name as presented on my drivers license, and my social security card. The other two credit bureaus XXXX, and XXXX XXXX are presenting my name spelled correctly as stated on my drivers license, and social security card. am requesting and demanding that Equifax present my full legal name as stated on my identifications

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Remex, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam I am writing to complain regarding the illegal Debt Collector tactics that was used to collect the debt. On XX/XX/2021 I have received a Collection Letter requesting me to pay {$450.00} to XXXX XXXX  and XXXX. from REMEX Collection Agency located XXXX XXXX XXXX, XXXX, NJ XXXX. 
I don't recall having any services rendered from XXXX XXXX XXXX XXXX therefore I requested a Validation of this debt. For this purpose I have sent a letter on XX/XX/2021 to Remex Inc with the Dispute of the claim and Validation request under FDCPA 15 USC 1692g Sec. 809 ( b ). 
Up until now XX/XX/2021 I have not received any responses from REMEX confirming that this debt is in fact belongs to me. I have contacted my Health Insurance Company and they were unable to confirm that I received any services for the amount of {$450.00} from XXXX XXXX XXXX XXXX 
REMEX however is continuing sending me requests for payment without properly validating this debt. I have send the letter to REMEX asking them to either provide me with the proper documents confirming that this debt is mine or stop pursuing this matter. However they are still harassing me with their requests. I believe this is frodulnet activity by Remax in violation of Fair Debt Collection Practices Act. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I kept receiving bills from XXXX XXXX Department of Health Services ( DHS ) about some medical expenses i do not owe. I have n't used any of their services so this debt is absolutely not mine. Now I 'm receiving a " Notice of Debt '' from Linebarger Goggan Blair & Sampson , LLP attempting to collect this money I DO NOT OWE! I 've attempted to call several times and do n't get an answer and I am starting to feel extremely harassed by these collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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:
Account does not belong to me, called fraud department they sent me forms and I filled them out and still not response or action.

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 2021-12-18
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I want to check that the daily finance charges that are being applied to my account based on my payment dates are calculated and applied accurately to my owed balanced. I requested the records of how finance charges have been assessed and applied to my account and was told that I could not request this service online. I called the 1-800 number provided to me and was unable to reach an operator three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation