BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: EQUIFAX, 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:
I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from 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 2019-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2017-08-18
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed numerous reports with the bureaus, I filed a police report, I have disputed the accounts being reported as collections by Services of Athens. When XXXX investigated the accounts, with total disregard of the theft reported ; Service of Athens continuously verified the debts with the bureau, erroneously claiming they are mine. This has gone on for over a year. They have had substantial time to correct the matter and refuse to do so. account number XXXX for {$24000.00} and account number XXXX for {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a text from something called the CBE Group. Seems there are a lot of complaints about them on the internet. In the text they say that I need to contact them. No reason was stated. I have received nothing in the mail from them and have no knowledge of any debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: LA
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 sent out letters to dispute accounts which does not belong to me. It has been more than 100 days but I did not receive any response from them. I filed a dispute exactly last XX/XX/2022, another one from XX/XX/2022 and XX/XX/2022. They are not investigating about the issue nor taking proper measures when they received my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: FC HoldCo LLC
State: MI
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:
Tried contacting, no luck. No help with customer service. Need this taken off credit report. Flagship credit acceptance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

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 2017-08-18
Company: GFS II, LLC
State: MI
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:
Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 GFS II LLC  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage bought our loan from XXXX XXXX between XXXX and XXXX XXXX. I have not recieved our escrow anaylsis from RoundPoint Mortgage. A check was mailed to us for {$1100.00} and only said escrow overage. Like any american family, that money was used for other bills. All along our monthly payment amount has remained the same {$1500.00}. I have not reiceved any notices saying my taxes have increased or that my homeowners insurance was dropped from my escrow account. Today I am called by my homewowners insurance saying I owe them {$870.00}. I called RoundPoint, they admitted to boarding my loan incorrectly from when they purchased it from XXXX XXXX, but said the money is being used to go other expenses. How did my taxes just happen to go up the exact amount of what I was being sent to XXXX insurance previously? I was on the phone for two hours with different stories and representatives talking in circles. Some admit it was their fault. I was told my loan amount will increase to make up for the difference of them sending payment today out of my escrow account to my XXXX insurance in the amount of {$870.00}. Why was that amount sent to me? Where is my money really going? No one can give me straight answers. I would have had to have paid points at closing to drop escrows. Or if my taxes increase I should have recieved notification from RoundPoint saying my monthly payment amount was going to change. Also, no one at RoundPoint could tell me what my new tax amounts were. Breakdown of previous payment : {$1500.00} total monthly payment {$65.00} XXXX XXXX {$90.00} Mortgage insurance $ XXXX XXXX taxes {$51.00} city taxes {$1100.00} P & I Breakdown of new payment : {$1500.00} total monthly payment {$0.00} XXXX XXXX {$90.00} mortgage insurance $ XXXX XXXX taxes {$31.00} city taxes {$1100.00} P & I If my payment amounts changed, i should have been notified. Also if my taxes went up then why did they refund me for " an overage in escrow account. '' They are not in compliance with customer notifications.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because XXXX is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking XXXX and TransUnion how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If XXXX and Transunion are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. 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 non-monetary relief
Consumer complaint received 2017-08-18
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I would like to file a complaint about a representative of Central Financial Control. My roommate XXXX. ( I am happy to provide both my number and the number of my roommate upon request ) was on the phone with this representative ( call began XXXX/XXXX/XXXX beginning at XXXX XXXX ) with my permission and she was on speaker phone so I could hear the content of the conversation. I believe the representatives name was XXXX and but I was unable to hear his employee ID or branch number. As we dialed in my account number before speaking to him, it should be easy to look up who we spoke to. The phone call only lasted 2 minutes and 36 seconds, but in that period of time he yelled, threatened, and cursed extensively. The representative told me that he did not give me permission to record the conversation, so I do not have a recording of his cursing spree, as due to his request I stopped the recording. Considering that XXXX. was calling as my representative, reaching out to the company in order to *pay* a debt when I had not ever even been contacted by the company ( I discovered the debt in a review of my credit report ), I am shocked at this kind of abuse from their employee. I am sending a letter to the company reminding them that the Fair Debt Collection Practices Act of XXXX does not allow employees of debt collection agencies to use obscene or profane language, which he certainly did- with XXXX witnesses ( myself and my roommate XXXX. ). I also let them know I have reported this behavior to the Consumer Financial Protection Bureau and I would like to know the name and employee ID number of the representative we spoke to and what they are going to do about his behavior on their end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all  this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.

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 2020-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax breach, I logged into my account to place a freeze. Now, I would like to unfreeze my Equifax account. When I attempt to login to my account, Equifax states : " We can't complete your request at this time. Please call the Customer Care team ''. When I contact the Equifax Customer Care team, they are unwilling to allow me to log into my account, nor are they willing to unfreeze my account ; demanding unreasonable documentation be faxed ( who faxes anymore? ) that has never been requested before this issue arose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying credit card through XXXX every month for many months on a XXXX dollars credit line. They have always taken payment from bank account. All of the deductions stopped. I couldn't reach anyone at XXXX to find out why. They ran my account way up to {$930.00} then apparently wrote it off. Sold it to MIDLAND CREDIT who is harassing me every day. They even are using XXXX legal notifications to scare me. Every day another phone number tactic. My wife going through XXXX treatments which is consuming to me. They continue to harass me every day and for a much higher amount. Their buying debt from creditors that stopped collecting from me then no way to resolve a XXXX total credit line. This is hurting my credit while all my other creditors remain in great status. I am disputing this amount of claim and, the daily harassing of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX  and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original  Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX   aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation