BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-01
Company: Franklin Collection Service, Inc.
State: GA
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:
XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Franklin Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal allowed this XXXX  company to scam me twice. I disputed it with PayPal and the XXXX  company and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a subscription costing {$140.00} on XX/XX/21 using my Capital One credit card. The subscription came with a 14 day satisfaction and refund policy. I canceled the subscription via email on XX/XX/21 and have proof of email and screenshot to show the cancellation. 

When the company did not respond and did not refund the money, I filed a dispute with Capital One on XX/XX/21. 

On XX/XX/21, Capital One reinstated the charge even though I have all the proof of cancelling the subscription in a timely manner. Capital One never bothered to see any of the proof I have and have quietly reinstated the charge. They are promoting scammers like the one who scammed me by supporting their fraudulent charges. 

I need Capital One to immediately charge the merchant and refund the {$140.00} that has been fraudulently charged to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 XXXXXXXX Federal has violated my rights.

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 a account without my written instructions

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 2017-03-10
Company: Genesis Lending
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was a student of XXXX college in XX/XX/XXXX-XX/XX/XXXX and I was told that I had to take out a private loan to pay a part of my educate expenses and as told to use Genesis I had been making payments Genesis then I was told that my loans balance was switched to another company. Can I still get a credit from XXXX or the new company XXXX

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 2023-04-10
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a VERY rude and berating call from the representative at IQ Data INC. They constantly interrupt and cut you off. By far the most insulting experience from a company I have received. This was for an old apartment that I actually paid on time EVERY month and had proof I always paid and gave proper notice as well as completed my lease term. The company that reported to them does not even manage the apartment complex anymore. I tried to explain to the reps at IQ Data INC and they became insultingly rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has a fraudulent inquiry on my credit report.cThe fraudulent inquiry on my credit report is from XXXX XXXX inquiry is from XX/XX/2021.

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 2020-04-05
Company: Experian Information Solutions Inc.
State: AR
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:
Upon reviewing a recent copy of my credit report, I noticed several accounts that I were associated with or were established without my knowledge as well as consent. It became immediately apparent that these accounts were from the direct result of identity theft or fraud. I have no recollection or establishing these accounts nor have I received any goods or services from these accounts. After reaching out to the local authorities, I was advised to complete and send in a copy of a identity theft report to the credit bureaus. I since have sent a copy of an identity theft report to all three major consumer reporting agencies ( Experian, XXXX, & XXXX  ). I also listed fraudulent addresses along with some inquiries that were never requested on my behalf. I recently received a letter from Experian refusing to honor it due to my request was made in error or I have received, goods, money, or services on behalf of my of the fraudulent related accounts. I find this FALSE accusation very absurd, discriminatory, and a violation of my consumer rights as well as the Fair Credit Reporting Act in regards to section 605b, 609, and 611. Experian has received supporting documentation supporting my claim and did not even attempt to pursue an investigation. Experian has no way of knowing any goods, services, or money I received due there automated data furnisher or e-oscar verification system which only verifies a consumers name, address, and social security number. I find this response totally unacceptable and plan to proceed to take legal action if this matter is not resolved very quickly. The specific accounts listed on my identity report were 1. XXXX  XXXX # XXXX, 2.XXXX XXXX  # XXXX, 3. XXXX  XXXX # XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX  XXXX  XXXX # XXXX, 6. 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
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: CA
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
im a victim of id theft and didnt find out till i went to buy a car and the finance man said i have to pay 18 % interest because of collection accounts on my credit file. the accounts i disputed with a id theft and police report with copy of all my info ids ect. h & r accounts refused to be fair according to the law fair credit reporting act i had medicad insurance and still do have it so i have no medical bills o

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
BBVA Compass authorized a charge card without my consent. I specifically asked for only a checking account and not a charge card. XXXX XXXX tried to slip in a paper to sign along with the checking account papers after I told him I did not want to open a charge card. I caught it and did not sign the contract to open a charge card. I then received a charge card in the mail. XXXX XXXX also asked if I wanted help setting up online banking. I said yes. Then he asked me where I was from and he told me he would use that information for my security question. I told him to stop setting up the online banking and I would do it myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Exeter Finance Corp.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I reached out to Capitol One in an effort to have the interest reduce that attempt was unsuccessful and has subsequently caused undo financial hardship for me and my family. I have made payments in excess of the minimum amount required which has not been beneficial in any substantial way in reducing the credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: TN
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:
Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from XXXX Credit Report Reference : Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PIN CRED SERXXXX XXXX 2013Closed {$820.00}

Company response to consumer: Closed
Consumer complaint received 2016-06-09
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My name is XXXX XXXX my husband XXXX XXXX financed a car through Exeter Finance XXXX/XXXX/XXXX Account # XXXX. He was XXXX XXXX/XXXX/XXXX and received 10 year XXXX. I contacted them and explained situation was not at anytime told there was any issues of this and have made payments Exeter Finance took payments without hesitation. I received divorce XXXX/XXXX/XXXX and was awarded car in divorce I made them aware of this sent proper paperwork with included final decree and proof of his XXXX and requested paperwork change as well as full payment history that I would be refinancing with different lander and was told this would be taken care of. After months of this not being taken care of had contacted them numerous times requesting to talk to manager in which was told there was not one available and would receive call baxk which never occurred. I spoke with them few weeks ago and was told they would not be taking care of this and that contract was with XXXX and was being taken off call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not help me.

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 2021-09-28
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ported my phone number out of XXXX to XXXX XXXX and I contacted XXXX to ensure that I was clear about having paid any money to them and they said all of my obligations to XXXX were paid. Approximately 3 month later I received a notification telling me that I owed money to a collection agency telling me that they were acting on behalf of XXXX and I had to give them money or they will impact my credit rating. This is important to me because I have had problems with XXXX regarding this issue. XXXX said that they remove the claim and I forgot about my complaint. I am receiving phone calls and letters demand payment for a debt that I don't owe after they said that they were going to cancel the claim of debt. The latest number to have called me is XXXX. Please help me with this Sincerely, 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