BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a {$800.00} payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hold me without bail ... And say i have committed a felony. They will not provide me with anything in writing and want me to use money gram to transfer or wire the funds. They constantly pose as police officers and/or attorneys or investigators in XXXX XXXX. I have contacted XXXX XXXX court, and none of them are legit. No matter how many times I change my number they harass and leave threatening voicemails for me and my extended family. I feel the Cash Store has sold or shared my information illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report information that they know is in violation of the FCRA ( re-ageing of the account ). 
They have only used EOscar to " verify '' the information and have not provided any legal documentation showing that the following have the standing to show an open account and that they can report the dates shown. The listed companies are well known for this type of action ( refer to FTC ) Upon Review of my Credit report the you will find that the Original Creditor information if very different then what is being reported. This will support my claim of illegal and damaging reporting on my credit report. 
Collection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXCollection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXXStatus : OpenOpened Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The company has been calling me everyday at work and home. All of my debts have been cleared ( paid off ) but this company ca n't seem to get it together. My credit report is free of any collection accounts because I have paid off the accounts I owed. This company is harassing me and when I tell them not to call, they say they will call anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is continuously reporting a debt that do not belong to me. I have contacted Portfolio requesting them to verify the debt with my signature. Portfolio Recovery refused to provide proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since  XXXX  of  XXXX  I was on a repayment plan with  XXXX   XXXX  mortgage that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,    XXXX   XXXX     mortgage is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist.  ''  XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled th e five  months and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during the  five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.

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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since  XXXX  of  XXXX  I was on a repayment plan with   XXXX   XXXX   XXXX   that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,   XXXX   XXXX   XXXX   is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist. ''    XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled the  five m onths and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during th e five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.

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 2017-02-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/2017 XXXX XXXX XXXX TX XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information on my file. The items I dispute also are encircled on the attached copy of the report. 

XXXX & Wells Fargo are inaccurate because I 've made every effort to dispute what is inaccurate on my credit report. I am requesting that the item ( s ) be deleted. 

Enclosed are copies of certified letters supporting my position. Please reinvestigate this ( these ) matter ( s ) and delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX Enclosures : Crdit Dispute Certified Letters & Screenshot of my Credit report from CK

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SQUARETWO FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
First Niagara Bank XXXX XXXX XXXX kept paying incoming bills even though my account had a negative balance. The account had dropped to {$3.00} but I am fighting XXXX XXXX and was too sick to get to the bank. They charged me XXXX {$37.00} NSF fees. I called to explain and a very nice customer service rep credited me the XXXX fees. This was on XX/XX/XXXX. On XX/XX/XXXX, when I looked at my account, XXXX of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on XX/XX/XXXX. However, they did n't show up when I checked my checking account on XX/XX/XXXX and neither I nor the customer service rep saw these charges on XX/XX/XXXX. I know for a fact that I did not duplicate XXXX bills although the XXXX male reps I 've had to deal with since the XXXX said they checked my XXXX address and that I authorized these XXXX bills on XXXX XXXX. I did n't. The XXXX male rep I talked to forgave XXXX {$37.00} charge and XXXX of the XXXX NSF charge ; however, my balance was still in the negative. I explained that I live on Social Security, that I am fighting XXXX XXXX, and that a look at my banking with First Niagara shows that I do n't duplicate payments and that I do n't bounce checks because I ca n't afford to do so. Now, First Niagara is charging me {$37.00} per day for having a negative balance, even though I explained that my SS check wo n't come in until XX/XX/XXXX and I do n't have the money to cover the charges they put on the account to maintain a negative balance. I asked them to not pay any incoming bill if my account did n't have the funds to cover the charge. The reps told me it was at the bank 's discretion to pay or not. These payments and fees are robbing me of money I can not spare, and have caused me terrible stress. I ca n't prove, but do believe, that a First Niagara employee used my IP address to duplicate XXXX bills so they could reap NSF fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency Portfolio Recovery repeatedly calls in regards to a debt that is not mine, calling XXXX times a day. The person they 're looking for has the same first and last name as mine but different social security number, etc. I have told them repeatedly that they have the wrong person, to stop calling and they continue to call anyway. 

They call from these numbers:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
I had an outstanding hospital balance (   XXXX   XXXX    XXXX    )  from   XXXX   XXXX   XXXX     show up on my credit report. The balance has been paid but unfortunately between moving and etc. I do not have the receipt where I paid the bill. It is showing up on my credit report under  XXXX  different collection agencies. The amount showing due is {$500.00} I have never received any notice regarding an outstanding balance nor have I received any notification from a collection agency. The  XXXX  collection agencies are  XXXX   XXXX   XXXX  and WAKEFIELD. My  credit score  dropped  XXXX  points just this week due to this showing up this week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
We are on Day 5 of no access to our accounts with Rushcard. My husband 's XXXX direct deposit is not in his account. We can not speak with anyone, we can not get a text balance and we are locked out of our accounts. Rushcard has had five days to fix this and no one is getting satisfaction. I 'm sure this is illegal and I hope there is something that can be done. Quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: Data and Contact Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband died on XXXX/XXXX/16. He does not have an estate. There are no funds to pay the debts. I notified all of his creditors. XXXX has continued to send bills, text messages & unlike other creditors ( XXXX, etc. ) has n't sent any letters. However, I have received calls from DCM Services which does not provide information about the debt, etc. I have told them twice that there is no estate, that I want them to stop calling me & asked the name of the creditor. Both times, they hung up the phone but continue to call asking to speak with someone handling my husband 's estate, but again fail to advise on who 's behalf they are calling. This is harassing and I find it reprehensible. I need this to stop asap. NOTE THAT I AM PROVIDING MY HUSBAND 'S social security number as they are trying to reach his estate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Tried to call company this company is called asset care is not a real company ass ets care In  c. are scammers this company people are playi ng on phone this who ever they are called tries to take money they need to be investigated I do n't owe anything are any body they illegally put  XXXX  bad collections on my account no I want these removed asap and for you all to sue them for wrong practicing its against the law to put collections on ones account with out them knowing are knowing about it never received anything from them do n't now company. she says her name was  XXXX  refuse to give me any information about me just demanded money and very rude and bad threats no one should have to put up with this cruel punishment is horrible the things these people do to get money illegally this are these people are not who they say they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery had the audacity to call XXXX at XXXX after they responded % your bureau and we disputed their response as their name continues to appear on the caller id that appears on screen and they leave no msg/you should have this on record/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good afternoon, My loan servicer Navient ( Account # XXXX ) is changing my payments without prior consent or authorization. I am set on auto pay. Originally my payment was {$41.00}. Then on XX/XX/XXXX it was increased to {$51.00} and today XX/XX/XXXX it was increased to {$67.00}.

Furthermore, I had unenrolled from auto pay sometime in XX/XX/XXXX and without my consent Navient placed me back on auto pay and withdrew funds from my account without my consent.

Please advise as to what can be done.

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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 have not lived with my parents for over 20 years and they called my father at his work. I have had so many letters and calls from these people over the years XXXX and I find it hard to deal with. The company Portfolio Recovery has 4 collections on me totaling almost {$2500.00}. In the past I have tried to call and they are not willing to work with any type of payment plan for someone on foodstamps with low income. I have no idea what companies or debts they represent. They fill up my credit report and make it hard to find a home, job, school loans.The continuous letters and harassment have led me to feel consumed with fear, worry and anxiety. I tried to buy a home recently and was crushed to find out my credit score. I am a person with XXXX and the hits on my credit and all the continuous harassment mail and calls XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The former debt that is being collected on was dismissed in a bankruptcy. I have told the callers many times, and now I am receiving letters. 
What can I do to stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for MEDICAL DATA SYSTEMS license. I have found they are in direct violation of  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. MEDICAL DATA SYSTEMS does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNE  SSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager  who has submitted an application on a form prescribed by the board.  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  MEDICAL DATA  SYSTEMS is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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