BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at XXXX XXXX played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified and at that time  XXXX   XXXX  did not have proper credentials/license to collect in the state of TX. Now, today  XXXX / XXXX /   2017  the exact same account was allowed to be placed back on my Experian report. After speaking with  XXXX   XXXX  and hi s manager   XXXX , I was basically told that they would not remove the account even though it had been removed by Experian after the last investigation proved the account was inaccurate/incorrect and remov ed by Experian. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed afte r the investigation

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 2017-05-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's  research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2020-03-12
Company: United Collection Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted by UCB ( United Collection Bureau ) 10+ times by phone and each time during my work hours of XXXX-XXXX and each time I have made them aware I am at work and unable to communicate. Each time an associate apologizes and states they will note the system to not call me during these hours. I have advised them they are harassing me and that I want it to stop. The last supervisor I spoke with told me the calls would not stop during this time or any time of the day until I paid and if I did not pay or set up an arrangement that a warrant would be sent to me.

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 2015-06-30
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection firm purchased debt in 2008. Date of XXXX delinquency and reporting date was XXXX 2008. XXXX year credit reporting expiration should have been XXXX XXXX. I have recently checked credit to see the dates have been changed to XXXX with 7 year expiration moved to XXXX XXXX. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic form which is not a validation, but rather a verification that my name is listed on the debt. This is causing continued damage to my credit. What they are doing is illegal under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. I dispute d an amount of {$310.00} last year and was told it would be refunded to my account because I never received the item and it never was.      2. Here lies th e issue and below are the refunds that should be on my account because customer service screwed up my acc ount : Paypal   XXXX  refund should be account of {$91.00} interest reversed {$35.00} late fee reve rsed Total : {$120.00} reve rsed off acct PayPal  XXXX  refund should be {$100.00} interest reversed {$35.00} late fee  reversed Total :  {$130.00} reversed off acct  XXXX  refund should be {$100.00} reversed {$35.00} reversed  Total : {$130.00} reversed off account Total refund amount {$450.00} that should be applied to m y account, this is what customer service promised me and it was not done.        3. They have  been taking duplicate payments from  my PayPal credit a ccount and my bank account. This has happen numerous times. I am owed over {$5000.00} from this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

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 2020-03-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX XXXX XXXX XXXX not mine XXXX-XXXX   XXXX not mine XXXX-XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX BK CHPT XXXX inaccurate COLLECTIONS XXXX XXXX XXXX XXXX not mine CREDITORS XXXX XXXX XXXX   XXXX not mine

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 2022-07-15
Company: Experian Information Solutions Inc.
State: AZ
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, Experian Information Solutions Inc., XXXX, and XXXX have violated my rights. 

XXXX5 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 an account without written instructions. 

The following information is incorrectly reported by Experian Information Solution Inc. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.

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 2022-07-15
Company: LendingPoint Holdings LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was contacted by a gentleman that I believed to be affiliated with a company called Lending Point. I was seeking a personal loan and they told me they could assist me at the time. In order to qualify for the loan and receive the funds however, I was told my credit score needed to be raised which was understandable considering my current score. In order to do this, the lender told me they would make payments on my account from their end. They made XXXX separate payments which totaled upwards of {$4000.00}. When I spoke to the company over the phone, I was told that as soon as I paid them back that I would receive the agreed upon loan amount. In order to repay them I needed to purchase several gift cards totaling the amount of the payments they made to my credit card. After purchasing the cards and sending them the information on them, they assured me they would be sending me a loan. Only a few days later I was notified by discover card that the payments they made were returned unpaid, and that my credit card was now XXXX over my spending limit! Im trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This loan was obtained by identity theft. I have filed a police report and sent it to the credit agencies. I also have sent them a sent verification letter through certified mail with proof of receipt. They ignored it and never sent me anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: IL
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 without 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  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 XXXX 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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attend Georgia XXXX XXXX in XXXX, XXXX My Federal loans were transferred to AidVantage. I am still in college. I have two more classes to take after current quarter. I plan to graduate at the end of this year. My mother is paying for the remainder of my classes as I work and attend one class per semester. This will keep my loan balance as is and I will not not acquire any more student loan debt. 
AidVantage sent me a bill for {$220.00} due on XX/XX/21. My total loan balance is {$22000.00}. It is my understanding that I don't have to start paying anything until 6 months after I graduate or if I leave college. I don't understand how they are calculating the {$220.00}. I don't understand how I have a bill due and I am still in school? The current interest on my AidVantage statement is showing a balance of {$77.00}, I thought the government stopped interest from calculating due to COVID? 
I have made several attempts to create an online account on their website but it is not working correctly and it always times out so I can not access anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was under a forbearance plan when my account got transferred to PHH Mortgage. I was told that no bad credit reporting and no late payment charges was going to take place while I was on the plan. When I got transferred I started to receive harassing calls and was told i needed to pay all my payments at once or go on a repayment plan right away. I was without a job and had no money to pay. I managed to pay for al the payments and then after a year PHH bills me for inspections and other fees when the inspection took place I was no longer behind on my mortgage. I demand that all those assessment fees be taken off my account or credited. PHH failed to follow my forbearance plan prior to the account transfer to them, they also failed to give me assistance and demanded I pay all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Delinquent account

Complaint:
I have been making payments on my Macy Card, the last payment I made was in XX/XX/XXXX for XXXX. I also moved at that time, when I moved I changed my address with all creditors by phone and had my mail forwarded by the Post Office. When I paid my Macy Bill I also included the change of address form with my payment I mailed in, in XX/XX/XXXX. After moving all my mail was being sent to my new address, the only statement that was not being sent to me was my Macy statement. I had assumed the account was paid since bills no longer were coming to me and all my other mail/bills ect were being fowarded. I called Macy today after finding out they reported me 5 months late. I am not late on any bills so it was a shock. During the call that was today XX/XX/XXXX that I made on XXXX Hawaii Time, the lady told me the reason why they stopped sending me bills was because the bill was returned to them, with a sticker from the post office saying I didnt live at that address and I had a forwarding address and that since their servicing dept didnt remove the sticker and update their system that they stopped sending me bills. I gave her my atm card number because they demanded full payment which is fine I pay my bills but they will not issue me a letter or notify the credit bureaus that it was not my fault. She keeps saying all she would do is send me a statement showing I was late. I asked if the error is on your end why should I get dinged for it, that they should issue me a letter to correct it with the credit bureaus so I can fix my credit that was perfect. She said no and that it was my fault cause I should of called back again to change my address that I had changed already. I dont feel that I should be adversely affected since I did my part to update my billing address. All I want is for them to report to the bureaus that I was not at fault and to correct my credit rating. tahnk 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 2020-03-12
Company: EQUIFAX, INC.
State: TX
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:
information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 status incorrect

Complaint:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation