BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whom It May Concern, I have recently noticed a collections account on my credit report that is inaccurate and does not belong to me. Also, the collection agency pertaining to this account is Enhanced Recovery Corporation and they are not licensed to collect debt in my state, which is Tennessee. According to Tennessee state law, any company attempting to collect any type of debt, REQUIRES a license. I would like this account removed from my credit reports effective immediately! 
Thank you in advance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: VA
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 XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX and XXXX XXXX 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 an 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 2017-01-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: ERC
State: FL
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:
While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks

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 2016-05-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I was an authorized user on a Citicard account of my dad 's, not a guarantor. They have consistently filed this on my credit bureau. When it came time to get a business credit card for my business this account inhibitied my ability to get an a business credit card. I removed myself from the account and asked for a letter stating I was no longer attached to this account as an authorized user. The letter came in my dad 's name which was not helpful to me. I called and asked for another letter. It never came. So I called back and they refuse to send a letter unless my dad calls and verifies his account. They are still reporting to my credit bureau and are not helping me correct their mistake. I was on the account when I asked for the letter. I want the account off my credit bureau and a letter that states I 'm not on this account or responsible for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan with Citizen Bank the issue started when i got behind on my payments from starting a new job. Well they repo it and i was told that i had 21 days to get the vehicle back if i catch up all the payments. Well they gave me the wrong location first where the vehicle were located so i find out by myself that it was located in XXXX. So i waited to receive a letter or call to what i needed to do. So i shows up at the repo place to find out that my vehicle was already moved with some of my stuff left in it. ( which some stuff is still missing ) They informed me not the Bank that the vehicle was already gone. The bank at first did not know the truck was sold until i told them. So then after i call the bank back and they finally told me it was gone. The repo people let me know the name and number to call for the auction. So i called the auction and with in the 21 days the bank said i had to retain the vehicle was not true the vehicle was already sold before the 21 days and my issue was i received no call or letter with no information on how much it was sold or what afterwards that i have to take care of. As my friend told me he said watch when you pay that money they be done sold your truck and you be lost for your money and the truck. And just as he said i were glad i did not pay it because the truck was already sold. I contacted the auction people as i were told by the bank that they would have to give me that information and the lady listen to my story and told me i might need to follow through on this issue with someone professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting harassing phone calls from a debt collector that past 2-3 months. They have been calling me from various numbers, various area codes ( up to 4 ) and similar area codes but different numbers. I have received voicemails stating " This is a message from a debt collector, please call ERC back at ... '' and then a reference number ( that has also changed a few times ). I find this to be very non-legitimate business practice to call someone from multiple numbers and different area codes. That is one of the red flags I 've noticed. Another one is that the caller does not state his name in the call nor why they are calling, nor do they state my name, another red flag. I decided to look up ERC online and checked the Better Business Bureau, Consumer Affairs and other review websites. I noticed that the overwhelmingly the reviews were negative in one way or another. I noticed a trend with words " Fraud, fraudulent, shady, fake, scam and con '' being shown a lot on the reviews. Many reviews stated the company claiming to be ERC is collecting on debts from old accounts that the person called had. Many of the reviews state the person had closed the account, paid off the account and many had called the original company only to find there were no such charges on their accounts. There were a few users who stated the companies that ERC claimed the person owed money to do not sell their debt to debt collection companies. All of these reviews seem to not follow legal business practices. I have had my identity compromised before and am extremely cautious with my accounts. I check all my accounts regularly, have an identity protection account with a company and also check my credit reports. I noticed last year that there was a claim that I owed money to a credit card I had open. I called that card company immediately and asked them to check that account. They noted I never missed a payment, paid on time and had an account that was open and in good standing. They will be sending a printed updated statement that says I have no debt and the account is in good standing. I then ordered my XXXX free credit reports for this year and noted that I did not see any suspicious charges or debt arise. This all leads me to think that this is a scam and there is fraud going on. 

I have also filed complaints with other consumer protection agencies about this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Last year, I took out a loan of XXXX. I have paid XXXX installments of XXXX, but thereafter, they told me that I was not done paying because I needed pay interest and fees. I was not aware of this when I first agreed upon it. The representative said that I was only going to pay XXXX installments. I have emails to support my complaint of the amount I borrowed. After I told them not to take any more money through ACH payments, they still attempted to take money from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I had a XXXX and all of sudden I notice my bank account was being credited {$350.00} a mth. and I did n't what for. Did even realize this unitl this month they had been taking out this money since XXXX which I had the XXXX before XXXX and could n't even use a computer. I call my bank this morning and they give a telephone no. that is n't that companies no. I do go and line and try to call Castle Payday loans ca n't talk to anyone. They have taken out {$1700.00} out of my account. I 'm elder and do n't deserve this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2016-05-16
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My university fowarded this company my " debt '' for classes I was unable to attend and did not pay for. I have an appeal pending to resolve the issue. In the meantime, this collection agency has made frequent calls to my cell phone and is now calling family members who have no connection to this contested " debt ''. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: ERC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company " ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss " she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have " papers to serve in a legal matter '' and that HR either has to " accept the served papers on my behalf or that HR will have to " force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a " legal '' matter. Please help!!!!!!!!!!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2020 I called Care Credit/Synchronicity Bank regarding my Care Credit Account. I am in the process of considering Bankruptcy. My income was drastically lowered due to COVID19 and ultimately I was laid off of my job in XX/XX/2020. My only income is unemployment which is less than my monthly costs of mortgage, insurance, XXXX and taxes. I inquired about negotiating a settlement which would also work on the {$1600.00} in interest and fees that Synchronicity Bank has charged me on borrowing {$2000.00}. I spoke to XXXX who is an Account Manager for Synchronicity Bank. When I stated to him I am trying to negotiate a possible payoff rather than bankruptcy he told me he would check to see if I qualified for a settlement. He then told me that I did not qualify for a settlement. When I asked why he told me he could not tell me.. '' I have to go by what the system is telling me ''. I asked again and he told me he could not tell me why. I was told however that I could pay {$42.00} a month for five years. I can not cover my basic living expenses, not including utilities or food, yet Synchonicity is ensuring they collect on their PREDATORY lending practices. This is shameful and should be criminal how much they are charging and continuing to profit on the demise of working class persons as myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: National Credit Systems,Inc.
State: NV
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:
I currently have XXXX companies trying to collect on XXXX single debt. I have contacted both companies and they both say they currently own the debt. The debt is from an old apartment lease. XXXX company is XXXX and say I owe {$1000.00}. The other company is NATLCRSYS and say I owe {$910.00}. They both claim it is for XXXX. I have contacted XXXX and they have taken over new management and can not even locate the original debt or who they originally sold it to. I want to pay off this debt but I need to know who actually owns it. I have reached out to all parties, and they are not interested In helping they just try to get me to pay. But again I do not want to pay the wrong company what I owe. I have disputed both claims with XXXX, because obviously XXXX claim is incorrect but even XXXX said both were legitimate claims.. which is impossible. Can you please help me?

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 2016-05-13
Company: CASHCALL, INC.
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Opened a payday loan with Cash Call in XXXX paid on the loan until I lost my job in XXXX. Informed Cash Call that I had lost my job and was un-employed and displaced. Per original attorney ( who is now deceased ) account was closed. A new attorney has purchased the debt and has re-opened accounts and is garnishing my wages. I have not been served with any paper work from XXXX to XXXX. I need to know how to proceed. Thank you

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 2016-05-23
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
XXXX. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a {$750.00} loan and was led to believe that {$260.00} was going to be paid each month but instead they are debiting {$260.00} bi-weekly which I never would have agreed to and am not able to do this. They were very deceptive. 

Also, they never mentioned that the APR was 787 % which is unreal. I feel that I was deceived and never would have agreed to this loan had I known all of the facts up front

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I am just checking to see if this payday loan company is legal and legit. As of XXXX, I will have paid back {$850.00} on a {$400.00} loan and, if unable to pay the loan down incrementally, will have paid them {$1300.00} in interest by the time the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: ERC
State: CT
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:
XXXX has been my carrier for over 7 years this is not my account and seems XXXX has falsely account in my name.

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 2020-12-13
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:
On XX/XX/2020, I was " Turned Down '' for a new motorcycle loan from my bank all because of a recent " negative credit '' entry that is NOT mine onto my " Equifax '' credit report. 
I am the " Victim of Identity Theft. '' I contacted " Equifax '' and wanted " Equifax '' to send me my " FREE '' credit report from " Equifax '' and " Equifax '' told me that I would have to " BUY '' a copy for $ XXXX!!!

Company response to consumer: Closed with explanation