BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
Company: ERC
State: LA
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:
XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.

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 2016-08-23
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
Rent recovery calls me multiple times a day I spoke with them advised them I 'm sending the letter back to dispute the amount and gave them my lawyer information. They called me back XXXX he later and said they never called she check the information and realized they did..this is constant..I see the number XXXX4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
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: Old information reappears or never goes away

Complaint:
My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX my paypal account has been place a limitation and they ask me for document. 
I sent all my document and the person help me to lift the limitation. 

the same day after the limitation was lifted another permanent limitation has been place on my account without any reason. 

I feel discriminated against because I am not a United States citizen. 
According to what I have read in the paypal policies it is not specified that to use a paypal account from the United States you must be a citizen of that country. 

In any case, I have sent my original documents from my country but they have frozen my money permanently. 

XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm unemployed and my debt is just piling up and piling up with no recourse. I have a low monthly payment but that keeps skyrocketing and because of this, my debt just keeps accumulating interest. I do n't know what to do or how to get out as they offer no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency is submitting false errors to my credit report. I do not owe what this agency is fiercely trying to call and mail letters to a debt I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
XXXX, XXXX and Equifax are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account number : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different?

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months.

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute.

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This credit card was opened in XXXX with XXXX bank Delaware. This is a credit card I could not make payments on. On XXXX XXXX I made my last payment toward this loan. On XXXX XXXX they started to try to collect this debt and put negative information on my credit report. On XXXX XXXX XXXX sent this account to Midland funding llc for them to collect. They XXXX are still reporting this negative information on my credit reports. Its been well over 7 years from the default. I have contacted them my phone and mail asking them to up date or remove this from my credit report. They just continue to report this information. They also try to contact me by phone for collection purposes. See attached for proof of over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a email asking Amerihome to up date my new lower tax bill. They replied and said, I would need to wait for analysis in XX/XX/XXXX. Analysis came back with a check, but the numbers were still wrong! They've paid the lower yearly amount of {$1500.00} twice!! I called and asked for a analysis re in- valuation on XXXX spoke to XXXX XXXX Then I spoke to XXXX XXXX I also wrote on the web site. They have been removed ... But my recent messages dates are XXXX XXXX and today XXXX Even with showing them the bill they still insist that my tax bill is {$5500.00}. When in fact it's {$3000.00} Which can lower my mortgage about by {$200.00}. a month. They need help calculating my monthly escrow! Please help me! In a couple of months, I'll be XXXX, I'm XXXX with a fix income! I think their trying to make me lose my home! ... Somebody in there department has dropped the ball and has not up dated their end!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX COMPLAINT : Complaint regarding dispute sent to Equifax regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Equifax reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Equifax was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Furthermore, a statement was never added on my credit report that the account was in dispute. Violation of FCRA 623 ( a ) ( c ) Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Equifax reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above as proof the account was never late Dispute letters sent certified return receipt Time stamped copies of Equifax Credit Report Equifax Response to Letter # 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
ERC added a collection to my credit report without a verification letter in XXXX XXXX. They did the same thing in XXXX. I mailed them a letter to verify the debt so I could research it. Instead of sending me information about the debt, they removed it from my credit report. I have asked them for verification of the debt again and they have not provided anything. I believe it to be fraud!

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 2016-11-11
Company: Big Picture Loans, LLC
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016, I applied for a loan of {$1000.00} from bigpictureloans.com. I was informed that there would be a " finance charge '' of {$350.00} and that would be worked into my fixed payments. I agreed to this and accepted the terms of the loan as i was somewhat desperate. I was not made aware of the interest rate, nor that the first XXXX installments of the loan ( {$350.00} each ) were solely " finance charges, '' until after the terms were accepted. It was not until I logged into the account, after making the first payment on XXXX XXXX, 2016, that I was able to see the truth in lending disclosure. This states that my interest rate is indeed 1,073.2674 % APR and that the finance charge is {$8900.00} this makes the total amount i would be paying back {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX N/A XXXX XXXX -- / -- XXXX {$100.00} COLL {$100.00} - {$100.00} - - - COL N/A XXXX XXXX -- / -- XXXX {$210.00} COLL {$210.00} - {$210.00} - - - COLL XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} COLL {$660.00} - {$660.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint with you against Pressler & Pressler and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, XXXX XXXX XXXX ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i dont know where all this debt came from i dont own that much of money i know i own debt but that 's too much And these keep reporting to my credit know when i try to get credit card they denied me because of that. i am trying to build up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Global Lending Services LLC
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was no longer working an allowed my cousin to take over the payments on my XXXX that was financed through Global Lending. They knew he was making the payment that they even dicussed my account with him. Never mind you, he is not on the loan. He informed me, as well as them that the vehicle 's motor went out while driving from Virginia back to South Carolina. After the recovered the vehicle and even possibly sold for the vehicle theyre still indicating I owe them a balance of about {$8000.00} even though i been trying to surrender the car before the motor blew out. Theyre still reporting as involuntary repo for the last five years. I need and want this remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
OnXX/XX/XXXX, and on XX/XX/XXXX I applied for capital one credit cards. I was XXXX years old at the time and was un-educated about credit cards. So I applied for them and got instantly denied. From being un-educated at the time, I did not realize that you can get hard inquires on your credit report from simply applying and getting denied for credit cards. Since then I have educated my self on applying for and properly using credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are in repayment. In XXXX 2016, I submitted a check for {$5000.00} to Navient to pay down the principle of my loan. I used the address on their website. The check was cashed, but never posted to my account. When I called, I was told that the check went to the XXXX XXXX XXXX XXXX and they were a separate department. I was then told that I would have to wait. I called two more times over two months only to be summarily dismissed. Finally, in XXXX, I spoke to someone very helpful in their XXXX XXXX XXXX XXXX section. She was very apologetic and informed that a request for a refund was never made, despite me turning all of the required documentation. She told me that the check should arrive in approximately 2 weeks. 4 weeks later, I am on hold with Navient again. Apparently, the check may or may not have been issued to me. Certainly, I will also receive interest from the months they have wrongfully held onto my money??

Company response to consumer: Closed with explanation