BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: DMB Financial, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired DMB Financial to help me with my credit consolidation 4 years ago. I completed the program in XX/XX/2018, all accounts paid as agreed. I have made numerous calls requesting the end of program letter, to reflect that I have finished the program and have the extra money I paid, that remains in the account, refunded to me. I left numerous voicemail messages asking for a call back with negative results. When I do get someone on the phone they always say they have to email a different department for a response and that someone will call me back. I am attempting to purchase a home and need the end of program confirmation letter, and the 5 accounts I paid in the credit consolidation, be reported to credit bureau correctly. Part of the services I paid for was all that I just mentioned. Apparently, they are quick to take the money but don't follow through as agreed when I signed up with them. I need this resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore the debt has not been validated, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to Capital One who currently holds the account. 

I have disputed XXXX with XXXX, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. 

I also called XXXX bank XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to capital one. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XXXX OF XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to capital one, whom they reported my account closed in XXXX to, the account was no longer in their system. It did not exist. This is a problem as Capital One only has statements up until XX/XX/2019, is stating my account was closed as ofXX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called Capital One ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XXXX and that is all the data they have from XXXX. The rep from Capital One told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX capital one rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through capital one and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information pastXX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX  ILLEGALLY closed this month XXXX when they transferred/dont even have access to or own my account. 

Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyondXX/XX/19on either end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Mobiloans, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I received an email from XXXX XXXX XXXX XXXX XXXX monitoring services, notifying me that a financial company requested credit information from XXXX on XX/XX/2019. 

The financial company identified as MOBILOANS LLC, without my knowledge ran my credit report causing a hard inquiry dropping my credit score which Im currently rebuilding. 

I emailed MOBILOANS customer service support requesting a letter of deletion and to provide me the information I requested and did not receive any call backs nor an email about the credit inquiry.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX or XX/XX/XXXX I called Kohls to discussed a closed account and possible getting a settlement offer with the ability to make monthly payments. The agent that I spoke to was able to provide me with a settled offer of {$190.00} making 6 monthly payments of {$32.00} which I accepted as it was what I could afford. The amount of the acct was {$380.00}. The agent then advise me that I would need to make a payment of {$32.00} by XX/XX/XXXX which I did. I even asked him if I could make the payment in the store that Friday evening which he advise he is not certain but I can try. I then tried but the acct was not in store so I ended up sending a money order. On XX/XX/XXXX I got a email advising that my account was changed so I was confused as to what was happening so I called the number provided in the email only for the agent to tell me that I settled for {$230.00} and would only be allowed to make 2 separate payments. I then told her that I already set up arrangement on this account only for her to tell me that they have no notes of this ever happening and that I did not call to do so and I will have to pay the {$230.00} no matter what. Is this even legal to go back on your word and if your calls are even being recorded why would this changed with no explanation of why and then make it looks like I am lying and did not make contact with the office? I then asked to speak with a supervisor and at this point was transfer to some collection agency called XXXX XXXX apparently after they saw my settlement with the agent they went ahead and wrote it off and send it to the collection agency which this is not fair or even ethically right. the account was transferred almost a whole 10 days later. I know these calls are recorded can we have them listen to the calls as I know I spoke to someone at the Kohls office. I never had any interaction with this XXXX XXXX office until XX/XX/XXXX so of course when they look into their notes they would not see any communication. I was asked to send a letter requesting investigation but how can I send a request to investigate when I did not spoke to anyone in XXXX until XX/XX/XXXX? I am writing this as I need help in resolving this with Kohls. it is not fair to offer something and then said whoops sorry you have to deal with the collection agency as our offer apparently is not valid or we did not record it so it is not considered legal. I don't know what you can do but any help is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please update this information and remove all the old address that are not mine My address is XXXX XXXX XXXX XXXX Ga XXXX Please remove any other address

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 2020-09-15
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call received : XX/XX/XXXX, XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX Dates and Times of Calls/Texts : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Length of Call : N/A What is the number they called/Texted? _Already reported Was the number on the XXXX XXXX XXXX XXXX? Yes If so, when was it placed on the list? XX/XX/XXXX Robocal/Robotext? Yes, ( 3 )  Robotexts WAS THIS CREDIT/BILLING RELATED? YES ( Entitled to an extra {$1000.00} per text/call ) Autodialer? Yes Name of company : MRS ASSOC. aka MRS   BPO  , LLC. 

Is the company representing someone? Yes If yes, Who? XXXX XXXX Website Given? No, website located through research If yes, what is the website? https : //www.mrsbpo.com/index.php Number given on website? YES If yes, what is the number? XXXX Verified? YES Friday XX/XX/XXXX, XXXX Email? NO, RESEARCHED TO FIND ON WEBSITE If so, what is the email? MRSCustomerService@mrsassociates.com Name of Operator/Sales Person/Supervisor : Initially on first/text call, What was said : Please Contact MRS Assoc. regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. This is an attempt to collect a debt and any information will be used for that purpose. MRS is a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Harbor Legal Group, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My debts totaled a bit over {$110000.00} when I entered the program XX/XX/XXXX. The lure of the company ( Harbor Legal Group, or HLG ) was that their program could save me 50 % or more of my debt load. My responsibility was to make regular monthly payments of an amount they calculated, which would pay off my debts at the end of 52 months ( the programs duration ). The 52 monthly paymentspaid without fail month after monthtotaled {$73000.00}. BUT, this {$73000.00} only paid 19 debts that totaled about{$84000.00}, which is about 87 % ( not 50 % ) of those 19 debts and has left me with 8 unpaid debts that total  {$33000.00}! The regaining of a decent credit status I was assured the program would bring me at its completion is unrealized and my credit score is as bad as or worse than at its inception.

I had a total of 27* creditors when I entered the program. The {$73000.00} I paid has settled 19 debts. Eight debts ( almost a third of the total ) have not been settled ; these eight creditors comprise my remaining indebtedness of {$33000.00}. *Another creditor ( a 28th ) seized money from my bank account to settle my debt with them in full before agreeing to a settlement via HLG. 

My monthly payments were taken automatically from a personal bank account beginning XX/XX/XXXX. Of the {$73000.00} I paid into the program over 52 months, {$49000.00} went to my creditors. This means that the company itself ( HLG ) netted about {$24000.00} while leaving me with {$33000.00} in unpaid debts. 

In a phone conversation XX/XX/XXXX with an HLG representative, I was assured that negotiations would be continuing with the remaining eight creditors and the money I had paid into the program ( {$73000.00} ) would cover those 8 remaining debts. HLG had informed me that they have recordings of all calls on file, so this can be readily verified ( assuming the recording is not edited or erased ). However, in subsequent conversations with HLG representatives this past XXXX, XXXX, I was told that these 8 debts that total {$33000.00} were not covered by what I paid into the program and was therefore my remaining burden. The HLG rep. of XX/XX/XXXX had given me misinformation.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 a hard inquiry appeared on my credit report labeled " XXXX '' it happened without my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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:
BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XX/XX/XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A scam XXXX account took {$120.00} from my Direct Express debit card. This card is used by the government to deposit monthly social security benefits to recipients. The money was taken out on XX/XX/2021. I immediately contacted Direct Express, and all I have gotten is a run-around. They did not even bother taking a complaint or closing the card as is standard protocol. Today, XX/XX/2021, I called for the 9th or 10th time, and they finally took a report after I spent several hours on hold and talking to multiple people. They then told me that they will send out a questionnaire, which I need to complete and return before they can open an investigation, which they claim will take 45 days. 

This company is a habitual offender. They do everything to not refund money that is stolen from customers ' accounts. And some of the scammers might be working for the company. It is a shady company that must be investigated and audited for its handling of government funds and abuse of benefits recipients. 

DIRECT EXPRESS PHONE NUMBER : XXXX CLAIM N0. XXXX I want this money back, and this company investigated for their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} Medical XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company was included in bankruptcy and after bankruptcy was discharged company added charges to my credit report contract company and stated they corrected it but still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022 I submitted a complaint concerning a problem with the credit reporting company 's investigation into an existing problem. Two accounts are being reported inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

According to the FRCA the term investigative consumer report means, " a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place. Although the investigation was said to be verified, a proper investigation was never completed. 

Furthermore, 15 USC 1681 ensures that all information reporting must be accurate. When provided with documented proof that both accounts in question are not being reported accurately, the company 's response was, " Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently. '' Is this to suggest they can pick and choose which laws to adhere to while dismissing others at their discretion? 

Additionally, I never gave the company written instruction to furnish said information as per 15 USC 1681b ( 2 ).

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 2019-11-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple calls a day from a local XXXX number from my area as well as my wife at XXXX. They spoof a local number when they are located in California. Company is IQ Data, I wanted to work with them and after I set a payment for settlement they went in after and changed the amounts so the payment I had cancelled by bank as its not what was agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation