BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the morning of XX/XX/XXXX I get a notification on my XXXX  report of a derogatory remark from a Midwest Recovery Systems stated that I owe a balance of {$500.00} from a XXXX XXXX. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with XXXX XXXX since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from XXXX XXXX in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime  of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with Midwest recovery I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year XXXX XXXX XXXX in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company XXXX XXXX XXXX XXXX and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to Midwest Recovery ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that Midwest Recovery Systems is a SCAM! and please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CITIBANK, N.A.
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:
I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.

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 2022-08-12
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
The date was XX/XX/2022 I send off a letter about Inquires. I never got report about the Dispute and the False Inquiry was not remove from my credit report. Equifax is in Violation of this they aer reporting false, misleading information on my credit report. 

All inquiry did not consent to unauthorized inquiry All inquiry are misleading false fraudulent reporting Under 15 U.S Code 1602 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: OR
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 2 accounts reporting on my credit with Equifax that show a balance. I have provided letters to equifax showing the accounts were paid and ARE to be DELETED from thier reporting. Per Equifax Supervisor XXXX employee ID # XXXX, she stated even though they have received the letters they will NOT CORRECT THE REPORTING. I have contacted the Creditor 's Directly and they have told me that the Reporting was already completed and Equifax was told to Delete the Accounts. XXXX and XXXX  Deleted the accounts on the Same day XX/XX/26, Equifax REFUSES to DELETE or even show its paid off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund. 

The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX Reported : XX/XX/2019 - {$780.00} Closed XXXX XXXX Reported : XX/XX/XXXX XX/XX/2019 - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an email from NETSPEND regarding a debit card or prepaid card that I didn't apply for. My email was compromised and I have been receiving fraudulent messages from my providers as well as someone trying to get COVID funds in my name from unemployment.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I've sent a letter to Experian disputing and requesting the removal of debt XXXX XXXX. Experian reported the account as verified. On XX/XX/2020 I sent another letter to Experian disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. Experian could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to XXXX XXXX  requesting validation of the account claiming that I owe any obligation to them. Not only have XXXX XXXX ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to XXXX XXXX on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, XXXX XXXX failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean XXXX XXXX agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to Experian prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.

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 2021-10-26
Company: EQUIFAX, INC.
State: AZ
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:
My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was recently denied a car loan due to the credit scoring model used by Sagestream LLC. My FICO scores with the 3 major credit bureaus are all above 760 and I received a denial letter from XXXX XXXX   stating they could not approve me for an auto loan due to my credit score obtained from Sagestream.  They provided a score of XXXX, MORE THAN 200 POINTS LOWER than what the big 3 credit bureaus have on my record. There are numerous complaints about this company 's fraudulent credit scoring system and I would like to add another complaint to the list. If the credit world had to rely solely on Sagestreams credit model, most of us would not be able to finance anything. This company is a scam and should not be providing such ridiculous and fraudulent credit scoring to companies such as XXXX and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Submitted both electronic and mail disputes with Experian in XX/XX/XXXX. I received a response from my electronic dispute which none of the judgements were removed from my credit profile. According to Experian I am unable to dispute the same account again for 3 months even though I do not agree. I have mailed them a response however each time i mail them I never receive a response. Electronic disputes and complaints are rarley handled appropriately. I received none of the evidence gathered from the creditors to validate these open court cases being listed on my credit profile as closed accounts with negative balances. These cases are still active in court, I am not aware of how Experian obtained this information and they have not shared that information with me. I have enclosed a form from the XXXX XXXX XXXX  XXXX which begining in XX/XX/2017 all non credit accounts were to be removed from credit profiles. In addition I have sent a copy of this to the credit bureaus as well, to have these non credit account open cases removed from my credit profile.

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 2021-09-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company numerous time no reply... I have XXXX credit and they are sending me mail stating I owe them for a XXXX XXXX I pay for everything up front .. Ive wrote them 5 times asking them to send me proof no reply this is not acceptable. I never received to explanation only a collection letter that's it in the amount of {$280.00} collection agency CONVERGENT OUTSOURCING INC # XXXX COVERGENT ACCT # 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 2021-07-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt for my son 2 years ago while he was in XXXX. I have communication from the debt collection company stating that it was satisfied and it shows on his credit report as satisfied. Now 2 years later I get a call from another debt collector representing their call about a legal case in AZ and they sent a process server to my home and went and spoke to 1 of my neighbors about this matter for something that was resolved 2 years ago. When I spoke to them on Monday XX/XX/XXXX they were going to send me their information on the case ( which tells me they knew that it was closed ), however they never sent anything. I have my own records from the debt collector that I dealt with stating that it was paid in full and resolved. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the original debt collector that I dealt with ( XXXX XXXX ) and they confirm that it is paid in full but Ace Cash Express must have sold the debt again to this XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted Bank of America through XXXX XXXX in regards to the balance owed. Bank of America never contacted me about the {$37.00} balance owed or was shipping the documentation to the incorrect address. My current number is the number I have had for more than 6 years, and I have no record of being contacted by them.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.

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 2021-09-20
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collector : castle credit corp holding, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX,,,, phone # XXXX i sent this company letters that were certified by US Postal return received. The last was received by the company on XXXX XXXX. I told this company that this is not my account and why they are insisting that it is but they want provide me with legal documents verifying that it is mine. Today is XX/XX/XXXX and i have yet to get a reply from this company. The account was open, according to the my credit report XX/XX/XXXX. I notice that the payment history doesn't show a payment received on that date.I also notice that XXXX is not noting that the account is being disputed by the customer.Also notice the last payment reporting different with all three credit bureaus.XXXX  report : XX/XX/XXXX, XXXX report:XXXX, XXXX report : XX/XX/XXXX ( all three Inaccurate ) ( Note ) XXXX has a payment being received XXXX, but the payment history show it being 60days late on that day.XXXX, XXXX and XXXX report monthly payment as XXXX. theirs more Inaccuracies than i have letter space for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Speedy cash I paid my settlement off with them, this account should be removed off my credit, I have tried to fax and email them numbers of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection with XXXX XXXX XXXX mobility. I have never been a customer with XXXX XXXX XXXX before. I have a debt of XXXX with Enhanced Rocovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account but at the time of depositing some checks with the application they were not accepted and they closed my account still with money inside, due to an alleged fraud, I have gone several times personally to the bank and also called online but they do not solve anything, my money is lost, Ive been trying to call for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: CA
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:
There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor XXXX XXXX XXXX XXXX has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Information belongs to someone else

Complaint:
Please investigate and delete the following accounts that do not belong to me : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXXXXXX XXXXk account XXXX XXXX. XXXX XXXX XXXX account 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 2018-01-31
Company: Real Time Group, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid this bill back in 2014 with original company. I do know who this Real Time Solution company is and they have called my phone from different numbers saying horrifying things to me. Their claiming I owe them {$2600.00}. I asked for validation and I have not received anything from them. 
Please help me.

Company response to consumer: Closed with explanation