BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been receiving demands from Midland Credit XXXX for many years. A considerable time ago ( probably at least 10 years ) I told them I had no knowledge of any outstanding debt and told them to send me details of their claim by mail. 

I clearly recall telling them that all further communication must be by mail, and that specifically they may NOT attempt to contact me at my work or through my family members. 

Several months ago they called my daughter looking for me to discuss " a credit issue ''. 

This morning at XXXX XXXX I answered a call that announced itself as being " on a recorded line '' at work where a male employee from XXXX asked to speak to me regarding " a personal matter ''. I did not admit who I was and told the caller I no longer worked there in an attempt to forestall further calls. 

Whilst the caller did not disclose the actual purpose of the call, it is obvious from " recorded line '' and " personal matter '' and finally from a XXXX search on the caller ID phone number, XXXX that this is an attempt to collect a debt. My employer has a strict policy about receiving personal calls at work and I have been in trouble about this with them before. 

I am reluctant to communicate directly with XXXX as i have read horror stories about them getting people to inadvertently " admit '' liability for non-existant debts. However I am tired of being persecuted in this way and would like to know how to stop the harassment and also how to prevent them selling my contact information on to other abusive debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Convergent Resources, Inc.
State: FL
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:
I have a debt originally from XXXX from XXXX that is currently being reporting as the date of delinquency XX/XX/XXXX. The collection has been resold a few times and this creditor just put the date the last creditor bought the debt on as the date of delinquency, illegally reaging the debt. I have disputed it to the credit bureaus with them just returning the same information and XXXX and XXXX just saying its valid. I would like it removed from both credit reports.

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 2021-05-05
Company: EQUIFAX, INC.
State: NY
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:
XXXX  has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX  XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX  charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a missed called from TSI ( Transworld Systems Inc. ) at XXXX XXXX  this morning and I called them back not knowing it was this company at the time, I talked to an agent and I asked them what this was regarding of and the agent told me a personal business matter so she asked me if I was XXXX XXXX and confirmed it was me and she then stated this was an attempt to collect a debt behalf of XXXX XXXX and she stated I owed this debt that is profane language used against and heres why because 1. The term debt means any obligation or ALLEGED obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment, not once did she validate this alleged debt. 2, I never gave this debt collector prior written consent directly to contact me pursuant to 15 usc 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 2. Ive been receiving emails from this common which is inconvenient towards me on separate occasions. Im holding this company criminally liable for violating the FDCPA per 15 usc 1611

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX hired collection agency : SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX to collect a debit on an account opened by someone else using my name and social security number. According to XXXX, the account was opened XX/XX/XXXX and closed on XX/XX/XXXX leaving an outstanding balance of {$3200.00}. The account went to collections XX/XX/XXXX. The address associated with the account is : XXXX XXXX XXXX XXXX . XXXX XXXX, MD XXXX I have never lived at this address. I have contacted both XXXX and the property manager of the address associated with the account in an attempt to get them to share information and verify that the debt is not mine. Neither party is cooperating, leaving me in a position to have to prove a negative. I informed XXXX that since they can not demonstrate consent by me in the form of a contract or audio recording authorizing them to start an account, they must release me from the debt. XXXX is throwing spaghetti on the wall by transferring their loss onto me, which is obviously, unethical and causing me great financial damage. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Quicken Loans to inquire about refinancing as I heard interest rates were very low during Covid19. Initially I was told they refinance the loan at 2 % less than my current interest rate. The required pulling my Credit and stated I would get a copy of the credit report, which DID NOT HAPPEN ... ... After submitting my financials, ( XXXX XXXX ) Quicken representative called me back and stated due to some sort of crazy NC Law, they could only lower by .75 %. I questioned if that would actually be saving anything and she stated including closing costs, it would save {$2300.00} long term and THEY WOULD REMOVE THE PMI MORTGAGE INSURANCE WITH OUT NEEDING ANY APPRAISAL. Mrs. XXXX stated by their comps in the area, the homes value would easily be above 20 % equity vs {$72000.00} currently owed on existing mortgage. After reviewing my 2019 tax return and business profit & loss statement, she felt the refinance should go through underwriting with no problem. I recieved a call from another member of the underwriting team 7-10 days later stating that they need another profit loss statement and additional tax forms from the 2019 filing. When I inquired why additional paperwork was needed, He stated it was almost impossible for SELF EMPLOYED Individuals to get approved for new loans or refinance due to the Covid19 Financial Crisis. At this point I felt the cards were obviously stacked against me, I asked the underwriter to stop the refinance and just take the PMI Mortgage Insurance off my current loan which I feel saves much more than {$2300.00} LONG TERM ... ... He directed me to go online to apply for PMI removal. When I logged into my account, I was pleased to see their website showed my outstanding loan {$72000.00} was well with in their guidelines to have the PMI removed. *** NOW I AM BEING TOLD I AN APPRAISAL IS REQUIRED BEFORE THEY WILL REMOVE PMI AND I MUST USE THEIR APPRAISER FOR A COST OF {$150.00}. * I feel it is fraudulent and misleading for Quicken to allow removal of the PMI if I take on the additional costs of letting them refinance the loan ( $ XXXX ) but they are unwilling to remove the PMI from original loan unless I Pay for an appraisal. It makes no sense that Quicken would be willing to remove the PMI no questions asked during a REFINANCE SITUATION because they state they already agree the homes value exceeds the PMI requirements, but when it comes to removing the PMI from the current loan I have with their company, they are stalling by requiring appraisal by their team member. I have always paid ahead on my mortgage, never missed a payment and have a XXXX  credit score. Until this transaction, I felt I was dealing with an upstanding company, having them try to take advantage of me because they could not make additional fees refinancing has made me reevaluate companies credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, DiTech Financial processed a payment from me in the amount of {$5500.00}. Rather than applying the payment to my payment and the remainder to my principle, Ditech processed it as my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, collecting the unearned interest on the higher balance and not requiring another mortgage payment until XX/XX/XXXX. I notified them via their online secure communication portal of their error on XX/XX/XXXX. After receiving on a canned response on XX/XX/XXXX and no further communication, I once again wrote to them on XX/XX/XXXX. Once again only getting a canned response. A similar thing happened on XX/XX/XXXX, and it took over a month to correct, even when I included specific instructions on how the payment was to be handled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Financial Assistance Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Financial Assistance , Inc., Debt Collection Account : XXXX XXXX  balance of {$360.00} is paid in full. I paid the debt collection account off, but the debt collection account is still listed and showing on my XXXX XXXX, XXXX, and XXXX credit report as unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: BTH Management
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX stated they had no debt with me yet Plaza services and XXXX XXXX XXXX are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against oak title company, the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, XXXX XXXX XXXX and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: ENCORE CAPITAL GROUP INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had sent letters and called TransUnion many times and told them theres a error on my credit report they sent me letters stating it was Accurate when I Dispute many times about this account they come back with its accurate, TransUnion is reporting open account However XXXX is reporting closed account both can not be right this account is 5years old its a closed account its a XXXX account # XXXX date XXXX XXXX thats there report, I know this account is 5 years old, the error is they are reporting wrong information stating its a open account plus they are making the account look young its 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
Consumer complaint received 2018-04-26
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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: Account information incorrect

Complaint:
I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.

Company response to consumer: Closed with explanation