BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received several harassing phone calls from Collection Agencies representing XXXX XXXX XXXX XXXX   indicating that owed {$470.00} for a debt dating back to XX/XX/XXXX. The first Collection Agency identified themselves as XXXX XXXX XXXX in XXXX Illinois, Representative XXXX XXXX, she provided an address of XXXX. XXXX XXXX, XXXX, Illinois. XXXX XXXX XXXX. That called was initiated on XX/XX/XXXX. I informed her at that time, that I did not have an account with XXXX XXXX XXXX XXXX   much less owed them anything. 
On XX/XX/XXXX, I received yet another phone call from CBE Group indicating that they were representing XXXX XXXX XXXX XXXX in an attempt to collect a debt. They had my former name and asked for my social security number. That call was generated by phone number XXXX, and the caller refused to identify herself. She however, informed me that the telephone calls will continue until they I paid what is owed. I am a senior citizens with health conditions and find this abusive. I spoke to an Attorney who informed me that this is some type of Zombie Debt method that is used to force payment. I was also advised by the attorney that oftentimes these companies will show a payment received with a current date to continue their level of harassment and to circumvent the law. My concern is that this is not a debt that I owe and it is well over 28 years! In addition, I have learned through my research that XXXX XXXX XXXX XXXX is defunct. I requested that they put it in writing and to date have received nothing from either collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
( Equifax ) Unauthorized Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX ] XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 5.XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Grant & Weber
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-11-08
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have sent in a different complaint explaining in greater detail however forgot to add this important page of information. This company XXXX when it bought out my loan form XXXX Mortgage was to honor the terms that had already been set forth and they have not. I was lied to by XXXX. 

I had bee told that My remaining XXXX payment ( I brought myself out of forbearance XXXX months earlier than needed to ) would be added to the end, the letter states that the partial claim has been approved and gives the payment amount of {$1200.00}. 

As I stated in my other letter I have not been able to make the payment until today when I had to pay {$1300.00} in order for XXXX to accept a payment on my account. moving forward even thought the notarized documents all are for the amount of {$1200.00} they insist upon {$1300.00}. I had a complain in my previous letter to you that I am locked out of my account and now today am told I will continue to be locked out until the next XXXX payment of {$1300.00} are paid, and then XXXX mortgage modification team will reevaluate whether or not to accept my deferent to payment the XXXX payments at the end of my loan or demand the entire amount past due all at once or foreclose on my home. I am attaching the letter sent to me that states at the bottom this means the original loas is brought current. So I ask why is it I stoll can not be allow to see my account and if I can not make those other XXXX payments until XX/XX/XXXX and XX/XX/XXXX, then I can not see my account online until then or if not longer than than. This company really needs looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17
Company: Screening Reports Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-17
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I overpaid my XX/XX/2019 mortgage payment. I made two XX/XX/2019, mortgage payments ; {$750.00} received and posted by Provident Funding on XX/XX/2019 and {$800.00} received and posted by Provident Funding on XX/XX/2019, both payments made via ( XXXX XXXX XXXX ), ACH. I requested in writing on XX/XX/2019, to Provident Funding a return of one over- payment. Provident Funding refused to return my over-payment until I submitted verification that both payments cleared my bank and further, that I had a positive balance in my bank account. It was only after repeated request to return my over-payment and after holding my posted and cleared funds for 10 days, did I get a communication from Provident Funding that my over-payment would be returned. I also asked Provident Funding to transfer my account to another mortgage service provider. They denied my request. I no longer have confidence in Provident Funding to be a creditable or fair mortgage serving provider and wish to be associated with a more reputable financial institution.

XXXX XXXXl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX # XXXX, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX please delete. I have a unverified account XXXX XXXX XXXX OHIO DOCKET # XXXX this account is not accurate please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: ENOVA INTERNATIONAL, INC.
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:
I received a robo-call from a local number ( XXXX ) XXXX which directed me to call a different number ( XXXX ) XXXX. 

The person on the other end was attempting to collect a debt from my wife on behalf of XXXX and XXXX, and they gave the last 4 of her social security number to identify her. They said she owed on a debt from Cash Net USA and wanted to settle the debt, however that debt was taken care of 2 years ago. 

I knew it was a scam and informed them as much and they replied that if they wanted to scam me or my wife they had our full social security numbers to use if they wanted. 

I looked up XXXX and XXXX on XXXX and there is a very basic web page describing the business amd the number was different from the ones I was dealing with. I called to inform them someone was using their name to collect debts illegally but nobody picked up, I left a message. They may not even be real either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX  AND XXXX  XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.

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 2021-11-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX/XXXX   XXXX****, XXXX/XXXX XXXX****, US DEPT ED  XXXX****, US DEPT ED XXXX**** , XXXX XXXX****, XXXX/XXXX XXXX XXXX XXXX****, US DEPT ED XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX****, XXXX/XXXX XXXX****, XXXX XXXX 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 2021-11-08
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SWC continues to call me about an alleged debt to XXXX. XXXX never sent a final bill, and confirmed in person that my account was caught up once I returned their equipment. SWC has called an excessive amount of times, and has not submitted anything in writing, despite my request for them to do so. In fact, the last person I spoke to told me that they were not legally obligated to send anything in writing. I will not pay any alleged debt to SWC without written notice and verification of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2019 I settled my XXXX bill through The Receivables Performance Management , LLC. I received confirmation account was settled in full. Therefore, I sold my old XXXX phone and the buyer informed me XXXX is trying to collect additional funds in order to unlock the phone for use. I contact XXXX and gave the payment confirmation I received from The Receivables Performance Agency and they told me account is not settled and I need to pay {$270.00} to have phone unlocked. After spending 46 minutes on the phone with XXXX, they referred me to their collection agency XXXX XXXX XXXX at XXXX. XXXX informed me the collection agency can help me resolve matter and unlock phone. I called XXXX XXXX  and XXXX XXXX told me my account was settled in full with XXXX balance. I explained XXXX told me to call and get phone unlocked. XXXX said I need to pay {$270.00} in order to have phone unlocked. I asked XXXX why did XXXX have me contact their collection agency. XXXX said he does not know but in order to have phone unlocked I need to pay additional funds. I ended call with XXXX and called The Receivables Performance Management , LLC XXXX at XXXX EST. The collector stated yes account is settled in full but not to the extent XXXX would unlock phone. I asked her why didn't their settlement letter state that. I told her if I settle a car loan still had the car, the lender would send me the title. The collector stated that is not the case. I told her the agency misrepresented their settlement because no where on their letter stated what she told me. I informed her I was going to file a complaint and she stated OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Called to cancel account. Account did not get closed/cancelled. Did not receive a final bill. Did not get a notice stating account was going to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and saw that I had a collection on my account from Midland Funding LLC saying I owed a debt of {$1400.00} from a XXXX XXXX credit account. I have never had a credit account with XXXX XXXX ever. I tried to dispute it through credit karma but have not been able to have it removed. I have never received a validation of debt or anything like that. I have never even been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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: Information belongs to someone else

Complaint:
I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.

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