BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I cancelled XXXX and returned the recording box. I was charged for services I did not receive and for the box that I returned. Now, there are 2 debt collecting companies recording this debt falsley on my 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 2017-11-06
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I received a alert on my Experian Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

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 2021-09-12
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Self is reporting these 2 accounts as open which is making my XXXX reporting raise 47 points & drop 47 points, this account was charged off based on the total I paid into the self installment account that they never refunded to me. This is not only a violation of the FDCPA but its also a violation of the FCRA to unlawfully report a charged off account as current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed a dispute with Experian because company has reported the same account twice on my credit report and denies that they have done so. The company has changed the amount due by {$1.00} so that it looks like they different debts but they are not. Company has also reported on my credit report a & XXXX debt that has been paid in full since XX/XX/XXXX. Company stated that " Information is accurate '' and will not remove the second instance for the same account from my credit report.  Company also will not tell me why this medical debt was never sent to my insurance company or give me a statement of account to show that this debt is even valid. I would like this resolved immediately.

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 2021-09-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed multiple accounts on my report I do not recognize

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 2022-03-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The incident occurred on the night the XXXX of XXXX @ XXXX XXXX I woke up before my AM shift, to 5 ATM withdrawals from my account. A total of {$1800.00}. 
Ive filed a claim with my bank to get those disputed but the case was immediately closed. I was told to get a police report which I did only to have my rebuttal claim denied again. They tried telling me because I still had my card on me when the transactions occurred that it couldve been me. I didnt make any of the transactions at all. Ive become frustrated & is now seeking government help. Down in the attachments : Ive included the denied rebuttal claim, the police report & also my work schedule to provide emphasis on me being in bed that time the incident occurred before my 10 HR shift. 
If Not too far from relevance Ive attached a news report I recently saw that involves & mention the bank Im filling a complaint against & shows a lady thats going through a similar situation like mines https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Braviant Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I used this company for a {$800.00} loan in XXXX. I signed up for the loan payments to be automatically withdrawn from my checking account. I did not check to see if the company was withdrawing payments. I received the " Notice of Right to Cure '' letter via email on XX/XX/XXXX. I have not received any other emails nor any letters mailed to my home. When I talked to the company representative, she said that several calls were made to my phone. I receive several calls a week from scam callers. I usually do not answer calls with unidentified phone numbers. She said that do not send physical mail. She also stated that they do not settle on debt. I requested a paper to show how what they say I was owed was calculated, she said that do not provide that information. It would be in my contract. I attempted to access my account with this company, but it only lists the phone number. I included the letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NOTICE OF RIGHT TO CURE Dear XXXX XXXX Notice Date :XX/XX/XXXX Credit Transaction Account No : XXXX Loan Contract Dated : XXXX XXXX is the LAST DAY FOR PAYMENT. 
{$3700.00} is the AMOUNT NOW DUE. 
{$0.00} is the amount of delinquency charges included in the AMOUNT NOW DUE. 

You are late in making your payment ( s ). If you pay the {$3700.00} on or before XXXX, you may continue with the contract and existing payment schedule. If you do not pay by the XXXX, we may exercise our rights under the law, including but not limited to, acceleration of the loan. 

If you have questions, please contact us at ( XXXX ) XXXX from Monday Friday XXXX XXXX to XXXX CST and Saturday - Sunday XXXX XXXX to XXXX XXXX CST. 

Balance Credit Team ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, INC.
State: NV
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 have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to Equifax, XXXX and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On  XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. XXXX  shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment history. Equifax shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a detailed invoice and the debt started XX/XX/XXXX. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it  changed to an invoice and was a XXXX writeoff. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it  changed to XXXX. On XX/XX/XXXX it was a XXXX writeoff. I do not owe this bill!!!
 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 2021-04-16
Company: EQUIFAX, INC.
State: NC
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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Speedycash.com has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is my current address my DOB is XX/XX/1973 my SS is : XXXX I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 explanation
Consumer complaint received 2018-01-16
Company: LTD Financial Services, L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I can not get them to tell me what it is about or I have asked them to mail me information but they tell me just pay your bills and we wont call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at Midland Credit XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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 status incorrect

Complaint:
I disputed bankruptcy case number XXXX with XXXX report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my XXXX report, Transunion and XXXX. Transunion and XXXX responded the information was correct. I am attaching letters from XXXX with no record of me and from the Bankruptcy court as well again unable to verify that information. If they XXXX has no record of me and the bankruptcy court can not confirm how can they report me?

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 2021-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed that this was still reporting. This debt is very old and I have consulted this debt only to know that this account is past the statute of limitations in Utah according to my attorney general. Not only is it past the statute of limitation bu tit is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX/XXXX/XXXX a letter was sent out to me advising me that I was denied a loan modification. The letter stated that I was evaluated for mortgage payment assistance based on eligibility requirements of Fannie Mae. I wasnt told which options were reviewed and I was not told which eligibility requirements I didnt meet. My HUD approved Housing XXXX called Loan Care at XXXX on XXXX/XXXX/XXXX to discuss the evaluation of my mortgage foreclosure alternatives as XXXX XXXX advised we do on the denial letter. Upon calling the XXXX XXXXXXXX spoke with XXXX XXXX ID # XXXX, whom said that she didnt see why exactly the loan was denied for a modification. She said that she would have to have the underwriter call the XXXX XXXX back with an explanation. 
On XXXX/XXXX/XXXX my XXXX XXXXXXXX called back, as she had not heard back from the underwriter. She called the loss mitigation number listed on the denial letter of XXXX, which is supposed to be a dedicated Loss XXXX XXXX line. However, the line was somehow routed to customer service, which then was routed to who knows where and the XXXX spoke with XXXX XXXX # XXXX. XXXX stated at first that she wasnt sure why it was denied either, but upon further investigation she stated it was denied because the financials didnt match up. She said that possibly my bank statements didnt match up with my expense statement, but again could/would not actually confirm if what she was telling my XXXX was the actual reason for denial or her assumptions. She said that the income listed on the XXXX was less than what they calculated, but she could/would not tell the XXXX XXXX XXXXXXXX what or how my income was calculated. As things escalated with XXXX she stated that she didnt need to tell my XXXX XXXXXXXX why it was denied at all. XXXX stated if we didnt agree with the denial that we should write an appeal letter stating that we appeal the denial. She said it doesnt matter why we dont agree with the denial, just that we dont agree. She said that it would then be reviewed again. 
The issue I have is that I was not given a proper list of what XXXX XXXX options were reviewed or why I was denied these options. I was told to just appeal the denial even if I dont know why I am denied. I will write an appeal, but I dont even know what my reason is for appealing. I dont know what barriers I need to overcome, if any, to qualify for a loss mitigation option.

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 2017-11-06
Company: EQUIFAX, INC.
State: NJ
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 contacted Equifax after I noticed a few fraudulent accounts on my report. They deleted 2 out of 3, but have yet to show me proof of the information they used to validate the account belonging to me. 

I placed an initial 90 fraud alert on my credit with all 3 credit bureaus. 

Equifax has stated that the hard inquiries on my credit report they verified them factual and when I spoke with that on XXXX/XXXX/XXXX I explained to them that those inquiries was ran fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a Capital one savings account while I was back in the states in 2021. I would simply like to know if I was supposed to receive form 1099 int or not for 2021. I called capital one and they're unable to help me since they need to send me a text message and as I don't have a US phone number, they're unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made is the past payments towards my principal. This is in addition to regular mortgage payments Each time Carrington Mortgage services pretends these at all regular payments and charges me as if I was making payments several months in advance. The last time I made a payment of {$4000.00} toward principal, this was five days after I had made a regular mortgage payment. This resulted in interest of {$400.00} plus {$600.00} in escrow. this amounts to an effective interest rate of about 30 % on a XXXX loan. I called them on it and escalated it before they reversed it and applied it towards my principal Today - XX/XX/XXXX they did it again! I paid my regular payment on the XX/XX/XXXX and made an extra payment of {$1000.00} on the first of XX/XX/XXXX. They reacted like I was making a payment for XX/XX/XXXX. The charged me {$95.00} interest for 1 Day! + escrow for next month - Due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Elevate Recoveries, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I done paid this bill off almost a year ago and i don't know why this is back on my account So delete this because elevate recovery bought it and they are debt buyers and this is the violation of my HIPAA rights

Company response to consumer: Closed with explanation