BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a collection notice in the mail on XXXX/XXXX/16. The bill was on behalf of XXXX XXXX. I moved out on XXXX XXXX 2016. We asked XXXX XXXX to do a walk through but they refused. I received no other contact from XXXX XXXX. When I received the collection notice I called XXXX XXXX at XXXX on XXXX XXXX. I was informed by the representative that after 45 days my debt is sent to collections. I informed the representative that the letter was received XXXX XXXX. It had not yet be 45 days. Then her story changed to after 30 days that I would receive a collections notice. I then informed the representative that it had not yet been 30 days. She then offered to send the bill again, refusing to acknowledge the endangerment f my credit and XXXX XXXX 's unprofessional practices. I advised her that I would pay this bill, even though I do n't know what I am paying for and filing a complaint with the XXXX. The collection notice was not from XXXX XXXX and was addressed to myself and my XXXX year old child, not the other adult on the lease. 
I had to call the collection agency 5 times before someone picked up. I also left a message. The collection agency then told me the name of my XXXX children that they had listed to collect the debt from. Myself and my children 's credit can be affected and I never even received a bill as to what I 'm paying for. I spoke to XXXX XXXX extension XXXX. He informed me that he received the debt information from XXXX XXXX and I Q Data input the erroneous information into their database.

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 2017-01-14
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt no longer exists the original owner XXXX, has taken it off my credit report. Cavalry simply bought the debt and is trying to get some money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: International Computer Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I recieved a letter from FCS Collection Services in regards to a debt saying I owed XXXX $ to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX myself by phone call on XX/XX/XXXX. I spoke to a XXXX. She confirmed by phone that the equipment I am being charged for was indeed returned and checked in on XX/XX/XXXX. She went on to say that they found after the fact 6 months later that the router I returned was damaged. Therefore they turned me over to collections without even contacting us by mail or phone call first. 
I explained when I returned the equipment in person at the office in XXXX XXXX, TX that it was checked in and I was told our bill was cleared. 
In fact in XXXX we received a check back from XXXX XXXX XXXX for over payment. 
XXXX also did discuss this debt with myself and my wife without giving us a mini miranda and she did confirm phone call was recorded without any knowledge. 
She did also confirm that the equipment does travel from their office from XXXX XXXX to XXXX which is around 15 miles. We have no clue what happened to the equipment once it left our possession. It was checked in bill was cleared we even received money back and have not heard from XXXX XXXX XXXX since. XXXX did also confirm on phone that they just pushed it straight to collections without trying to bill us or contact us first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
the XXXX XXXX account # XXXX XXX just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active XXXX XX/XX/XXXX XXXX XXXX XXXX and Equifax XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/XXXX, my credit score went down XXXX points. When I checked my credit report, my on-time payment history had decreased from XXXX XXXX to XXXX XXXX, and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.

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 2017-07-10
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On multiple occasions, we have been harassed by Peerless Credit Services for a debt that belongs to my ex wife. <P/>The most recent incident was on X/XX/2017 around XXXX. Upon receiving the bill for XXXX XXXX, Acct # XXXX, I contacted Peerless Credit Services to  provide them with contact information for XXXX XXXX. During these conversations, they refused to take her information, stating that this is my debt, when it is not. The Peerless folks hung up on us numerous times and have yet to take the address and phone number of the responsible party. <P/>This is the 3rd month in a row we have attempted to resolve this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: GA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to pay an escrow shortfall in full. The primary Truist contact number ( XXXX ) XXXX tells me they can't take my payment but the former Suntrust mortgage customer service has to process that directly - XXXX. This toll free number is a dead end, I've called everyday for 7 days, I sit on hold for hours, no one has ever answered my call. I was told I can't make this payment in person either at a branch. My next payment is due on XXXX and I am working to avoid a large jump in monthly by paying this amount : {$1300.00}. 

Loan XXXX Address : XXXX XXXX XXXX XXXX NC 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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a member of XXXX XXXX and I received another alert for a fraudulent Capital One credit application. I am told it was denied because I had a fraud alert set and now have all my credit frozen on all 3 credit bureaus. I contacted Capital One, XXXX XXXX and XXXX as they were the reporting agency for this alert. 

I did not apply for this credit card! I do have an old Capital One account ( credit card ) that I never use anymore but they said there were no charges on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received bill for around {$180.00} and XXXX charges for a total of {$45.00}. Paid {$180.00} my XXXX deductible by check.. I would have paid {$45.00} but I have medicare and a rap around insurance and should not have to pay because my coverage. ( I really do not believe they applied to my insurance ). Also the XXXX entries {$45.00} were ( patient not known ) beside each. When I was speaking to rep from billing dept. she told me not to pay that, because I asked her about it. The calls every week ( I even called and them and said I would be glad to pay but thats why I have extra insurance for ) and I over and over explained to each person that I had insurance and they reluctantly took the info down ) .Each time the rep acted as if it was the first time they heard about it. I have had this problem with medical service. I give my medicare info and rap around insurance, then low and behold they do not file with my insurance. I guess too much trouble. Now the BURAEU OF MEDICAL ECONOMICS IS A CALLING. I must say I pay all my bills, and never refuse what I owe. Repeatedly I have talked to persistent reps and they say ok and -keep calling. By the way the next billings were changed to {$45.00} XXXX with no patient not known entry ), Funny thing a day ago I got another bill from the hospital for the original {$45.00} and an additional charge for {$12.00} for a visit to the facility. Now if I know they did not bill my insurance. HELP!!! I must tell you, I love my doctors and my hospital and I would never try and escape from paying I never will and I never have. *note : I checked the debt is not mine but is is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Been contacting this company for about three months no response back from this company and requesting that this debt be removed from my credit file this is not mine debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Dear Sir or Madam, Nationstar Mortgage LLC d/b/a Mr. Cooper, first presented me with a tax claim on XX/XX/XXXX based on " Parcel No. XXXX '' -- see attached " XXXXMortgage-Note ''. I have not seen nor received any notification from XXXX XXXX for any additional charges. I requested Mr. Cooper to provide an original copy of the stated charges from the relevant XXXX department but got no response. My follow-up inquiries at XXXX XXXX XXXX not show any such charge. 

The same " Parcel No. '' is repeated with a new claim with higher charges -- apparently with interest added ; see " Mr_cooper_Repeat_Claim ''. 

Have contacted XXXX Department of Financial Services but that department does not have the full regulatory authority for this case. To this day we have not received a response from Mr. Cooper. 

I seek 1 ) proof ( original copy from relevant XXXX department ) from Mr. Cooper of the claim, 2 ) if the claim is false, then dismissal of all " Parcel No. '' charges. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Weinstein, Karp & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A " representative " by the name XXXX XXXX from Weistein Karp and Associates, continues to call and text me repeatedly at all hours of the day from blocked numbers. First and foremost, I do not answer blocked calls. Secondly, this person continues to leave " smart allec " and condescending comments in an attempt to belittle me. This " company " failed to follow appropriate collection activity that in turn, violated the Fair Credit Debt Collection Act. This person is using legal terminology in attempts to harass and cause intentional emotional discomfort. I have contacted local law enforcement because it now has become Menacing under the XXXX. This agent can not even pronounce my name correctly. This person continuously calls back to back from blocked/unknown numbers. Finally leaving inappropriate messages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home and was denied assistance back in XXXX 2015. My servicer is SPS and I believe they were missing some of my income as the amount they used in that review seems incorrect. I have recently submitted updated financial information via my attorney ( XXXX XXXX, 2015 XXXX and I believe I qualify for a loan modification to save my home. However, SPS has set a sale date on my property for XXXX XXXX, 2015. I am worried they will not post phone my sale date and I am asking for the help of the Consumer Financial Protection Bureau in asking them to allow me to be reviewed for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: GA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XX/XX/2022 I received inquiries letter from XXXX, XXXX, capital one, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.

Company response to consumer: Closed with non-monetary relief