BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified cease and desist letter with receipt to midland credit management on XX/XX/2022 and it was received on and signed for on XX/XX/2022. Midland credit management fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( XXXX ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Midland credit management is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: I.C. System, Inc.
State: SC
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:
Back in the mont of XXXX I received a collection letter from I.C. System giving me 30 days to respond or they would assume that the debt was mine. Prior to them sending me that letter I had no recollection of said account. I wrote to them within the time frame advising this debt was not a debt made by me. I will enclose a copy of the signed certified mail with receipt by the one of the company 's responsible parties. After receiving my written response to the collection letter they still insisted on putting this debt on my credit report, it appeared on my credit report this month on XX/XX/2018. Today I called and when the caller got on the phone she advised me that the call would be monitored, I advised her I was recording my call as well she said that she was not cool with it and she hung up. I called back and got XXXX XXXX on the phone and advised her of the same thing, and she said that she was fine with that so we continued the conversation. I asked her why after I had written contact with them did they still after only 6 days put that derogatory account on my credit reports? She stated she didn't have anything showing that I had written in and I advised her that I had a copy of someone's signature. She then said that their company didn't have any original documentation of proof in their office I would have to contact XXXX directly. I then asked her after receiving the letter why didn't you guys put a temporary hold on this account before just rushing to send it over to the credit bureau. She then stated once more that there was no contact made by me or a letter sent. She started being very rude and told me they don't handle disputes they don't verify information that is all something that the original creditor does. I asked her well if you guys can't verify it then why just put it on someone's credit file. She told me " Look, as I told you before you don't need to be calling my company what you need to be doing is calling XXXX '' We are not the ones that you need to speaking to, you need to be speaking to them and then she hung up. I also contacted XXXX and they told me that I needed to know some password, which I don't know because I didn't make the account. after talking with her she just directed me to contact the collection agency.

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 2018-03-15
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification on my credit report that a new debt has been added to my credit report in XXXX of 2017 from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report. 
The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that i will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

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 2022-11-15
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:
This CFPB complaint is a follow-up to the one I previously filed with the agency. I wrote to the credit bureaus on XX/XX/XXXX, asking them to delete the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX/XXXX/XXXX ; that I DO NOT KNOW. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are obligated to erase and ban any accounts and information not later than 4 business days after XX/XX/XXXX. I ask that you kindly comply with this requirement. I have mentioned this in complaints # XXXX, # XXXX, and # XXXX and I'm including it again now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance last year, first for 3 months. I signed a Partial Claim Deed of Trust to end my forbearance in XXXX, 2020. I was later told that this could not be timely processed and that it was NOT filed or recorded. I then was put back on forbearance by my lender, and again signed a Partial Claim Deed of Trust to end my forbearance in XX/XX/2020. I have recently learned that they did, indeed, file both of these Partial Claim Deeds of Trust against my property, which is double dipping. The amount for the XXXX Partial Claim, includes the full amount of the XXXX Partial Claim. I have received payoff statements from both XXXX and HUD, and neither is claiming this XXXX Partial Claim, but they also have not applied it to my loan. I have been trying to get them to help me since XX/XX/XXXX, and no one will return my call. Each time I call them they give me the run around, transfer me to various people and departments, only to leave a message again, for which I have not received a return call. I need this extra lien to be removed from my title on my property or for XXXX to properly allocate this to my mortgage, which will create a 3-month credit.

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 2021-09-22
Company: Experian Information Solutions Inc.
State: IL
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 made a previous complaint about an account XXXX XXXX XXXX XXXX XXXX in which after further investigation of the account the company sent out a letter to all three credit bureaus requesting the DELETION of ALL RAITINGS SUBMITTED by XXXX XXXX XXXX XXXX as of XX/XX/2021 but Experian has refused to removed the account. Every time I call I am treated with DISRESPECT and told that they ( Experian Staff ) " Dont Have To Do Anything '' and then even more negative remarks appear on the account with Experian Staff continuing to tell me that the Data Furnisher ( XXXX XXXX XXXX XXXX ) has been contacted and the account has been verified properly updated on XX/XX/2021 and XXXX XXXX. How is that possible????? I am in constant contact with the Data Furnisher and I know it is not true because XXXX and XXXX properly investigated the account and HAS REMOVED IT FROM MY CREDIT REPORT as of XX/XX/2021. I have had enough with the EGREGIOUS Actions that Experian Has Taken Against me. This is Discrimination!!!!! Every time I call I get bad remarks on A account that should have been Deleted Per the Data Furnisher 's Request???? As of today their are 30 Negative marks plus on this account.

Today I am up loading a copy of the CREDIT DELETION LETTER along with a copy of my ID and the information that is shown on my Credit Report from Experian who again is purposely keeping INACCURATE INFORMATION on my credit report which is hindering the proper Credit Score that I deserve.

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 2021-09-22
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
I never applied for a mortgage. An inquiry appeared and dropoed my score significant amount of points.

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 2019-05-20
Company: EQUIFAX, INC.
State: IL
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/19 I mailed certified documents ( received XX/XX/19 ) regarding identity theft to Transunion and XXXX  requesting items to be removed from my credit profile. I mailed the following documents ; a cover letter, police report, FTC identity theft affidavit, a recent bank statement and a copy of my ID & Social Security card ( see attached ). The cover letter that I sent identified the accounts and they were also identified in the police report. All of these documents were requested by XXXX, after XXXX  received these documents the accounts were immediately deleted from my credit profile ( see attached ). 

On XX/XX/XXXX, I called Equifax for an update and was not able to obtain any information as to the status of my request, I was just informed that an investigation is taking place. They did confirm receipt of the documents I sent but would not give me any information about what to expect next or if I needed to submit more information. I followed all the instructions on the FTC website and submitted the proper documents to have this information on my credit profile removed. I feel as though Equifax is giving me the run around and this process is becoming very stressful for me and my family. Every time I call Equifax they ask the same non-specific security questions and they also repeat the same questions back to back after it was answered correctly. They make it really difficult to discuss your credit profile unless you have your credit report right in front of you. I am requesting the CFPB investigate this process as other consumers may experience this same frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX, Have been violated of my consumer rights by Speedy Cash15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Speedy Cash used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e. ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b. ( 2 ) defines, not state that such consumer owes any debt. Speedy Cash, stated in letter that " This communication is from a debt collector. This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. 15 USC 1692d. ( 1 ) defines, The use or threat of use of criminal means to harm the reputation of any person. Speedy Cash, threaten to give my personal information to a illegal third party, which is identity theft, which is a criminal act, so that they can report falsely on my consumer reports which will ruin my reputation. Speedy Cash is in violation of The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, and is now civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The promotion for the capital one platinum credit card says that there are no interest charges. My credit card was charged interest charges since it was open on XX/XX/2017. I can not send a secure message because they do not have the option on my account profile page, it is all through mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently got a Chase Amazon credit card back in XXXX. On XX/XX/XXXX I realized that I still had not received ANY paper work including an invoice from Chase Amazon card services. I contacted them on XXXX. I spoke with a representative who apologized and deducted the {$25.00} late fee that was applied to my account. She informed me that my account was in good standing and that I should see my XXXX Statement soon with the payment being due on the XXXX of every month. 

On XX/XX/2019 I tried to make a purchase at a car service business and my card was declined. I called Chase Amazon Card Customer Service and spoke with the manager- XXXX XXXX She told me my card was declined due to non-payment. I explained to her that I had never received a statement or anything from them and could not make the payment until I did because it was a new account and I had never made a payment with them before. She basically told me Chase couldn't do anything about my Non-payment status and until the payment was received it would be declined. 

This is absurd, considering it is of no fault of my own that the payment was not received. I explained to her that if they had my correct address which they are confident they do, then I would have received my invoice just like I received my card initially. I don't feel like the non-payment status is my fault and I feel like I am being punished for their mistake. I am seriously considering closing this account and opening a new account with a better company. I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: AL
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:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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.THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY. UNDER 15 USC 1681. 
XXXXXXXX XXXX XXXX  : ACCOUNT NUMBER.XXXX, XXXXXXXX XXXX XXXX : ACCOUNT NUMBERXXXX, XXXXXXXX XXXX : ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 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. SECTION ( 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 SHILL NOT FURNIST 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 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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2019-05-20
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom it May Concern ; I filed a Chapter XXXX in XXXX of XXXX. I had purchased a 2010 XXXX XXXX, through XXXX XXXX XXXX. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is XXXX XXXX XXXX filed this with Experian, and will not get it corrected. We sent them a certified letter on XXXX, XXXX, explaining we felt that this was a violation with the FCRA. They responded on XXXX, XXXX, XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through XXXX XXXX XXXX. 

Kind regards,

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 2018-03-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.

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