BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Receivables Management Partners, LLC
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:
receivables management Partners LLC has called me on several occasions from XXXX all the way through XXXX. Back in XXXX I entertained the phone call and they asked for a man 's name that I've never heard before. I told her my name as well as my husband and daughters. We have recently just moved from XXXX  down to XXXX  and I got this new number mid-XXXX. The calls started XX/XX/XXXX. I also received a call on the XXXX, XXXX, and XXXX. I continue to receive calls XX/XX/XXXX two times that day, XXXX, XXXX, XXXX and then in XXXX I got calls on the XXXX and XXXX. XXXX I have calls from the first, second, XXXX and XXXX. So not only did I clear up that I am the wrong person they are looking for back in XXXX, but I also answered the call in XXXX to let them know I had already informed them of the mistake. I was assured on the second occasion now that I would not receive calls anymore. Today XX/XX/XXXX I received a call just after XXXX this morning and this time I was very frustrated about the calls continuing and I was getting ready to file a complaint. The lady was very rude almost taunting me. She told me that she put a note on my phone number that it is the wrong person but if another collections comes in for a different reason for the same number even if it's for the wrong person, they would still call me. I pretty much argue that that should not be allowed and they should know their system that XXXX XXXX owns this phone and if any other name comes through do not call it. She continued to argue with me and even started yelling so I just pretty much told her I was filing a complaint and hung up. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA transitioned Simple Bank customers over to their online banking at XXXX on XXXXas of noon the following day XX/XX/21 the millions of us who have been trying to access our accounts can not do so because of their broken system. The call center they told us to call is pretending they cant hear us, laughing and cursing. I have no access to my money or accounts for two days now and that is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EGL US, LLC
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: Account information incorrect

Complaint:
Hello. I have XXXX loans reporting with BMG Money on my credit report ( I can only have XXXX ) .Ive paid XXXX in full more than XXXX ago. Ive disputed this with the credit bureau XXXX and BMG responded with the XXXX accounts are accurate. Ive called BMG multiple times and each time I was told it would report correctly on the XXXX of the month. I disputed on XX/XX/2021 with Paid in full documents Just recently and still came back from BMG as being accurate. I need for this account to report correctly. Its holding up my home buying process. 

Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CO
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 mother filed bankruptcy in XX/XX/2016 and she included a bank account from XXXX XXXX XXXX XXXX that was a joint account with her and I both on it in the above stated bankruptcy. The debt was taken care of and paid off but somehow ended up on my credit report saying it was a " charge off '' account with {$430.00} still owed, even though it was taken care of back in XX/XX/2016 when she filed the bankruptcy. This only appears on my credit report, it does not reflect on my mom 's. I have disputed this multiple times with the credit bureaus with supporting documentation that it has been paid off since 2016 and even had the bank manger themselves write me a letter to send in saying there is nothing owed. The " people '' who keep reporting back to the Credit Bureau refuses to give the credit bureau contact information for me to talk to them and for this to be cleared up. I have spoken to XXXX XXXX XXXX XXXX XXXX offices, all the XXXX XXXX XXXX XXXX third party associates and no one can find this so called " debt '' that is owed. I need this off my credit report 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 explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: MA
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, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally XXXX should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by Experian on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!

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 2017-07-04
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I attempted to send money to XXXX as I had several times before using the WESTERN UNION ( WU ) Online website. They suspended my use of the website ( XX/XX/XXXX ) without explanation or resolution. I was then forced to use a WU store agent to complete any further transaction. A store transfer ( XX/XX/XXXX ) was also cancelled after using that method several times, again, without reason being given, or any way to resolve the issue, of WHY the cancellation occurred. <P/> I again attempted to use the online site to transfer money internationally on XX/XX/XXXX, WU send me an email that said the transfer had been approved and was available for pick-up, but that too was cancelled on the same day.
<P/>
No one at WU will provide a good, or even ANY reason why they have terminated my use of their services, to a person known to me. I have attempted many time to solicite a reason from WU customer care representatives via the phone, and they cite " regulations ''. What regulations is a total mystery. I can not even get which Federal Reg. is being used to cancel my service requests. I have also emailed XXXX without replay, three times. If they require ID, or any other documentation from me to authorize transfers, they have NOT asked for it, nor have they indicated a method by which to resolve the issue. Oh, they did refund the money I attempted to send. I did not want the money refunded. I was sending it for a personal reason! This is absolutely an atrocious situation. In fact, cancelling my transactions is a violation of my Constitutional Rights, without having the case heard in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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:
AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM XXXX YEARS AGO AND NONE OF THE BIG XXXX WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE XXXX COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT XXXX SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. 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 2017-11-10
Company: EQUIFAX, 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:
On XXXX/XXXX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, XXXX report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Southwest Credit Systems, L.P.
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: Reporting company used your report improperly

Complaint:
I want to report Southwest Credit Systems for not validating in writing to me before placing a negative collection notice on my credit report without prior authentication of the claim. I have made a written complaint to XXXX and XXXX and XXXX along with all the required document 's of this matter and yet they still illegally reported to my credit report. According to your practices they are in non compliance to the rule. I would like your help to resolve this matter as soon as possible and have them to be taken off my credit report since it has caused me a great negative impact on my report due to their negligence. 
We also have sent Southwest Credit Systems a dispute letter but XXXX responded to our dispute letter to them saying Southwest Credit Systems report is correct. That means Southwest had an initial contact with XXXX and did not initiate a communication with me to let me know that a collection would be reported to the XXXX credit bureaus. 
I am aware that this is in noncompliance with CFPB and the Fair Credit Reporting Act. 
If you have further questions, please do not hesitate in contacting me. I look forward to a prompt resolution to this delicate matter. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.

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 2022-04-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer rights. 

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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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:
I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an account on my credit for {$280.00} from  XXXX   XXXX   XXXX . The account was removed from my credit due to a dispute. The collection agency assigned to this debt was  XXXX   XXXX   XXXX  (  XXXX  ) account #  XXXX .  XXXX  sold this collection account on  XXXX / XXXX / 2017  ( approximately  ) t o  XXXX   XXXX   XXXX   XXXX ,  XXXX   (  account number  XXXX   XXXX  ) and they have placed a new account on my credit in the amount of {$1500.00}. How can they increase an amount by 5 times the original amount? I am confused. Then, they sent a  XXXX  page demand letter with payments equaling a car payment. The letter did not comply with all the regulations required by the CFPB. They placed this on my credit report as new debt with the increased amount that I never owed them on the original company. This company has been harassing me with calls and demand letters.

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 2017-09-26
Company: Experian Information Solutions Inc.
State: WA
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:
Experian has a social security number " variant '' in my data. I tried to create a dispute with their online tool but they refuse to make the change online and will only allow a phone call. I tried calling them, but the wait time is estimated at over an hour. I do n't have a phone with a battery large enough to be waiting that long.

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 2017-07-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I refinanced both student loans in XXXX and have made auto payments since XXXX. I have attempted to understand how at 8 % APR, Navient is applying monthly payments. I have paid for 10 years.
<P/>
Loan Information : Loan XXXX XX/XX/XXXX Amount XXXX APR 8 % XXXX XXXX  Loan XXXXXX/XX/XXXX Amount XXXX ARP 8 % XXXX XXXX Balance as of XX/XX/XXXX ( only account balanced received from Navient ) {$6600.00}.
I can not log into their portal and they have not sent me loan balance documents since XXXX. My monthly payment is XXXX, paid on the XXXX  of each month, via auto pay.
<P/>
Loan documents show finance charges for this loan @ 8 % APR will cost me {$9300.00}.
Total payments on a loan of {$12000.00} will be {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Jon Barry and Associates, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a notice from paragon revenue group I tried to tell the lady that my brother is in a nursing home the charges are from XXXX XXXX on the XX/XX/18 for XXXX and the other was XX/XX/18 for XXXX I tried to tell her my brothers medicade number for them to file and the social worker told me this all I need to do. The collector cut me short and said that this has over a year and she is not interested in his medicade number to file these charges. My brother XXXX XXXX is medicade retroactive for XX/XX/18 because I had a hearing and got a lawyer to help him prove that the monies in his trust fund was being used by his caregiver. Once I filed a lawsuit against the caregiver then the XXXX in Oklahoma back the coverage from XX/XX/18 to the present. The person from Paragon revenue group refused to take his medicade # so the can file and XXXX will pay them. No she feels the her job is to collect the monies owe be rude and threaten me that she does not care to take the info to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
MCM ( Midland Credit Management ) gave my personal information to someone else without using any type of verification rules and regulations of the CFPB or the FDCA. This information was leaked on XX/XX/2022. Given total amount of unsecured credit card debt of {$1700.00} to be collected as well as the last payment of XXXX dollars including the balance at that time of {$1600.00}. This information was given without my consent. The company also informed this person that if the Credit Card Debt was not paid in full or arrangements made they would move forward taking legal actions against me for the full amount owed. My family is now getting harassing phone calls from this company. My grandmother was called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told XXXX and was closed/ charged off XX/XX/XXXX. XXXX later sold my debt to a collection agency who later transferred the debt to Protas, Spivok and Collins LLC. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling XXXX to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a withdrawn Federal tax lien still showing on my report that was withdrawn in XXXX of 2017. I have disputed this with Equifax, providing Equifax with copies of the IRS lien withdrawal forms ( which I will also attach here for you ). I have also verified with each county that the lien withdrawal was recorded ( see Massachsuetts-XXXX XXXX Registry of Deeds Book XXXX, Page XXXX ). Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
On XX/XX/2022 I attempted to apply for AMEX credit card. I was notified that XXXX and XXXX are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted AMEX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or XXXX is trying to assist me.

Company response to consumer: Closed with explanation