BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: Pinnacle Credit Services, LLC
State: PA
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:
This debt has been settled for over a year now. Pinnacle Credit XXXX -- an old XXXX bill that I did not owe, yet I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Pinnacle Credit Services, LLC
State: NE
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:
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.

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 2015-07-03
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n't they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We 're struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message '' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Mathes Management Enterprises, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Sterling Financial has reported a loan to the credit bureaus that I do not have placed with them and they have also reported it with derogatory information. 
The loan they have me listed for is actually not theirs to list but belongs to XXXX XXXX XXXX and is paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XX/XX/XXXX I file a complaint wit FCC against att abusive charges of international call of XXXX. XXXX responded saying my bill will be reduced from {$1300.00} to {$42.00}. XXXX send me a bill in XXXX XXXX for XXXX due in XXXX XXXX and another one in XX/XX/XXXX for {$290.00} I contacted XXXX and after resolving with costumer service I paid the XXXX with the promise to receive XXXX credit back as soon as my account get cleared. In XX/XX/XXXX XXXX reported me account to a collection agency and this collection agency reported to my credit report. The collection agency never contacted me prior to report it on my credit report. Also they had NO RIGHTS to report it on my credit report at ALL. I file another Complaint with FCC regarding att practices and FCC is on the case. I would like to FTC to get in the case and assist me in this matter. I would like to have this collection agency show prof that I won that money and also prof they attempted to collect a debt and I refuse in order for them to report my account to the Bureaus. I am also seeking for damages from XXXX and this collection agency for the damages on my credit report I am in the process to acquire a house and this collection damaged my possibilities severely. I want XXXX and Franklin Collections Services to respond for the damages they are causing me. Thank you XXXX XXXX XXXX FRANKLIN COLLECTION SVCS UNPAID ( UNPAID ). 
XXXX XXXX, XXXX Alert Date XXXX/XXXX/XXXX Source XXXX Company FRANKLIN COLLECTION SVCS Payment Status UNPAID ( UNPAID ) Status Date XXXX/XXXX/XXXX Balance {$290.00} Balance Date XXXX Address XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Franklin Collection Service, Inc.
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 was paid

Complaint:
I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Pinnacle Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Since XX/XX/XXXX I 've been in and out of Hospital due to an accident. And since then i have not applied to any credit cards or any loans till XX/XX/XXXX. After been getting denied for every account i pulled my credit report and found several accounts opened under my name and several incorrect addresses listed under the credit bureau. So at this point i contact the Police and file a report due to these inaccurate charges and fake addresses under my name. At this point i started to dispute every information that was wrong under my report and most was corrected. When i contacted this company Pinacle Credit Services that report a XXXX account for {$550.00}. i was requested to submit all the document that i had in my hands which i did. I spoke with several members, XXXX, XXXX, XXXX and today I spoke with a lady by the name of XXXX, all of them refused to provide me the last name or any other Identification and their response to me was that i would receive an update in 48 hours, and i never heard from them, I 've send many letters to confirm this debt and none was provided to me. Every time i tried to explain my situation for the past several years and seams to me that they just do n't care about my case. Which this account is not mine and i should n't be responsible to pay for it. And this is the reason i 'm asking for your help in getting this resolved because it 's causing harm to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Franklin Collection Service, Inc.
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 was paid

Complaint:
I paid this over a year ago and I have a receipt. They refuse to take it off my credit. It is not in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a notice from XXXX that a derogatory account was erroneously and fraudulently put onto my credit report and file from Nationwide Recovery Service on XX/XX/2017. I have never received any information or notice from this company. This account does not belong to me. I demand any and all information be remove immediately from my credit report and file as this company is in direct violation to federal and state laws regarding debt collection. My positive credit rating has been tarnished and I have been denied credit due to the erroneous, fraudulent and deceptive practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris & Harris calls both our home numbers at least twice a day by robot-calls. They do NOT say what company or debt or amount or anything that would help us identify if they have a legitimate claim or purpose. Their phone number zooms past at the front of the call before one can pick up a pencil AND they do not repeat it at the end of the call. Their " caller ID '' number, when one tries to call it back, goes to some sort of electric buzz tone ( fax or hearing-impaired device? ) On the one occasion I managed to get a number down -- I called back to have an automated system place me on HOLD. After XXXX frustrating minutes ... I hung up. 

These have got to be the WORST debt collectors on record! They make it nearly impossible to discern their legitimacy or the debt or the number to call back. When you do call back -- they are not available. And yet ... 

Their robots keep CALLING AND CALLING AND CALLING AND CALLING. Day after day, week after week. It all seems to be done by automated systems that have no judgment, ability to interact or to update or question. 

HOW do we STOP them from filling up our answering machine with their automaton snippet-messages and from tying up our phone lines? When will a human contact us or answer their own lines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
For the past 12 months I 've been advised by the Equifax credit reporting agency that my file is too large and currently is being reporting in XXXX different reports. The agency has falsely reported to me that the situation was being reviewed and/or resolved with negative results to date .... I last spoke with a Equifax supervisor yesterday afternoon who provided me a confirmation number of # XXXX. 

This issue is adversely impacting my credit score and violating my rights under the Fair Credit Reporting Act based on this information being inaccurately reported to potential creditors for the past 12 months. 

During the past 12 months this problem has caused my file to be misrepresented in terms of the true credit score and history because the majority of my good standing accounts are n't being captured in the credit reporting process with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An alleged debt in the amount of approximately {$280.00} was reported to Equifax XXXX for an account from XXXX ( acct. # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX with other party responsible for medical bills- underinsured motorist had to take over due to other party not carrying enough coverage for my medical bills- other party at fault. My XXXX underinsured motorist policy had to take over. Medical bill of {$250.00} paid to XXXX directly. Due to suborgation with XXXX and lack of enough coverage amount, there was delay. however, this bill was paid by XXXX prior to collections but not recorded as such. Never delt with collections agency at all. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My report was attained fraudulently and I disputed with Equifax. Equifax refuse to remove the injuries stating they are factual but have n't given me any description of the procedure used to determine the accuracy and completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has not been any help to me I called to let them know that my student loan which is in good standing is appearing on my credit report numerous times and its all XXXX loan.It has been consolidated. I provide them with all the information that I could and they still did not remove anything.I have called my student loan company and they stated they submitted all my paper work to the credit bureaus and it should not be reflecting on my credit.I let Equifax know what my loan company said and still got no help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Company agreed to remove this debt from my credit report. It continues to appear. Please have it removed from all XXXX bureaus per the attached document citing their written agreement to do so. This information continues to negatively impact my credit report and my ability to obtain new credit and qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My daughter XXXX insurance is with her dad ( XXXX ) on the day of her office visit she was brought in for a wellness check. While in the process of seeing the doctor she was tested for strap and tested positive so the visit was coded different as a result her insurance covered it and I have paid the account and have been reimbursed by the insurance company so I would like for it to be removed from my credit report. I have contacted XXXX which is the collections company reporting on my XXXX and they have failed to remove this account that was reported in error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I had been buying bitcoin from Coinbase early in the year on a few occasions. On Monday XX/XX/2021 around XXXX, I was transferring all my bitcoin ( BTC XXXX about CAD XXXX ) from my Coinbase wallet to my newly bought XXXX XXXX XXXX After the transfer, my XXXX XXXX XXXX only received BTC XXXX ( CAD XXXX, the same amount being sent out by Coinbase ). My Coinbase account became XXXX and my transaction history has also been erased. CADXXXX had vanished in this transaction. I complained to Coinbase to no avail although they did put back CAD XXXX into my account later. I also complained to FTC and they sent me an email with a reference number on XX/XX/2021, but I haven't heard from them since. To me this is fraud as I can prove that Coinbase had been receiving money from my bank account on several occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: Experian Information Solutions 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:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks

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 2021-08-12
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: Information belongs to someone else

Complaint:
Several requests have been submitted to Equifax and XXXX - XXXX to remove this authorized user account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i do not know how, why, or when a fraud alert was placed on me but i want it removed. i am unable to apply for any credit due to this fraud alert. i am unable to order my credit report to see if someone has used my identity due to the alert. how can i get it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CITIBANK, N.A.
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:
Several requests have been submitted to XXXX and CITI - XXXX to remove this authorized user account from my credit report.

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 2021-08-12
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been working with XXXX XXXX for over a year. Every so often they do a back ground through the company checkr. In this case Checkr falsified information about my background by adding criminal charges to my back ground. The name of the person does no match my name, the address does not match, nor does the county of residence match. This is clearly wrong information. I have emailed checkr twice, called once, as well as went trough their " dispute '' process with no response. This has caused me to get fired from my job. I want my report fixed immediately.

Company response to consumer: Closed with explanation