BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Flatonia Investments, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is more of a identity theft. In XXXX of XXXX Envoy Mortgage began collecting on a mortgage debt account number XXXX. In XXXX of XXXX I received a letter from Envoy Mortgage that the mortgage was being transferred to XXXX XXXX and a new account XXXX was open in my name. In XXXX of XXXX I received another letter from Envoy Mortgage stating that a new account was being open with XXXX XXXX XXXX. No authorization was given for Envoy Mortgage to open these accounts, and is identity theft. Each of these mortgages that I have been demanded to pay have been for almost {>= $1,000,000}. Each account has been reported to credit reports and effects my credit by showing that my mortgage exchanges hands often and does not show the total length of payment. By not showing the true length of the trade line Envoy is not reporting accurate information to the Credit Agencies. I have filed this complaint with the FDC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
While I was in XXXX and then on XXXX XXXX in XXXX from XXXX-XXXX, XXXX roommates that I had been living with left the apartment without my knowledge. When I returned home, I no longer had contact with the roommates and several years later, I started receiving harassing phone calls from IQ Data Int'l. They kept asking me for contact information for the XXXX former roommates, which I did n't have. They accused me of lying, they yelled, they told me I had to pay the outstanding debt immediately, otherwise they would n't " give me a deal '' and then they threatened to sue me. 

When I explained that I was in XXXX and did n't receive any notification that my former roommates left, they said " that does n't matter. '' They kept cutting me off when I tried to explain I was n't even in the country and the representative from IQ Data said " You need to stop talking and listen me. '' They would n't let explain and they just kept yelling at me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I contacted Equifax online and by phone to obtain a copy of my credit report. I was able to obtain my credit score without a problem. However, there was no place on the web site to order a FREE credit report, and when I called them, the Equifax representative said they could not mail me a free credit report unless I paid for it. I checked the CFPB website and learned that, per the regulation, I should be able to obtain a free full credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2016, I sent Equifax a dispute regarding XXXX XXXX account # XXXX XXXX XXXX XXXX, along with documentation showing a judgment in my favor on that account ( See Equifax Dispute XXXX, XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. '' Equifax failed to delete the inaccurate account information. ( See Equifax Response XXXX ). 
I sent a second dispute on XXXX/XXXX/2016 ( See Equifax Dispute XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. ( See Equifax Response XXXX ). 

Equifax failed to provide any details or documentation of its communication with XXXX XXXX or of any independent investigation. Additionally, Equifax failed to explain what information it is relying to " verify '' the account contrary to a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Eastern Recovery Management Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 I received a phone call from a lady who did not Identify what company she represents and that they were attempting to collect a debt and she stated that a courier was showing up at my home to serve me papers within 1 to 2 hours. I then asked her who is this. she then stated that she was a mediator and not a debt collectors office and she was calling on behalf of XXXX XXXX XXXX that they had a civil claim against me stating that I was intent to fraud and that I owed XXXX for a credit card that was closed in my name.I explained to her that I did not receive any paper work or prior phone calls pertaining this alleged debt and I could not afford to pay anything today and she attempted to ask for a payment and I told her I have to pay rent and can I make payment arrangements on XX/XX/2020 she then stated that her client was not willing to wait and that she was signing the paperwork stating I was refusing to pay and legal action such as forcible recovery are in effect.

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 2022-03-17
Company: Adler Wallach & Associates, Inc.
State: TX
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 have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. AWA COLLECTIONS ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # : XXXX Please delete and remove this account and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: SYNCHRONY FINANCIAL
State: TX
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 have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. SYNCB/XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

XXXX. XXXX  Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

XXXX XXXX XXXX XXXX  ( Original Creditor : SYNCHRONY BANK ) Act # : XXXX Please verify this account and delete this account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GRP ) Acct # : XXXX Please investigate the validity of this account and delete. 

XXXX. XXXX XXXX ( Original Creditor : XXXX SYNCHRONY BANK ) Acct # : XXXX Please delete and remove this account and investigate.

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 2022-10-10
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Avant Holding Company, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently acquired a new credit card from Avant issued through XXXX. I made the first payment ( XX/XX/XXXX ) via the Avant app without issue. On the second month, I tried to make a payment online via the Avant website of {$200.00}. Upon receiving the email confirmation of the scheduled payment for the same day, the payment amount was incorrect. It showed a pending payment for the full amount of {$850.00}. I immediately called customer service to advise of the incorrect payment showing in the system. The representative advised due to payment being the same day, they were unable to cancel the payment and and that I had to call my bank to stop the incorrect payment. 

I called XXXX XXXX XXXX XXXX and was advised they would try to stop the pending payment ; however, it was not a guarantee that they could stop it as it wasn't showing in their system yet and not sure of how Avant would submit to the bank. The {$850.00} payment in XXXX was not stopped and cleared the bank and posted to my Avant account. I was not happy but it was paid. In XXXX, I tried to again make a payment by the due date of the full amount due - {$1900.00} on XXXX. I was advised by XXXX XXXX on XXXX that this payment was now stopped due to the previous request of stop payment. I was not aware of a XXXX  day timeframe even if they were not able to stop the payment. XXXX XXXX removed the request and advised they were not able to rerun the payment, that I needed to call Avant and ask to have the payment rerun. I called on XXXX and spoke with several representatives to try to get the payment rerun, they forwarded me to their payment center and I was advised that they could not rerun the payment as the {$1900.00} was showing posted in their system and would not allow for another payment as the total balance was cleared. I repeatedly advised that I did not want to have the payment show as a late fee due to the system issues but the representative advised that the payment showed paid before the due date of XXXX and should not be any issues. I received notification from Avant on XXXX that the payment returned and I needed to make another payment. I paid another payment on XXXX and Avant updated the payment again, charged a {$28.00} late fee and refused to waive the late fee even though I tried to make the payment in good faith before the due date. I submitted a late fee waiver and was declined. This company will not have any supervisors call back or answer a call and will only advise to email their card resolution department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They sent me a text saying they were CBE Group. A debt collection agency. I found out that he CBE group is a private collection agency for the IRS. But when I XXXX the number it came up as XXXX XXXX XXXX. 

I have already set up a payment directly with the IRS. I have never received a written notice from either CBE Group nor XXXX XXXX XXXX. 

They also call from different numbers with different area codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
2 attempts for validation of debt, all that was received is an itemized statement. This collection was placed with all three credit bureaus. I requested a copy of the original contract with my signature, dates, amounts to prove the debt belongs to me. I requested to know whether this agency is licensed to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
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:
ARS has been reporting unverified information to my credit reports. I have requested documents and they continue to refuse to send it or remove this information from my reports I have request this information by mail multiple times XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: M&T BANK CORPORATION
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:
In XXXX close to XXXX of 2022 I traded in my camper to XXXX XXXX for another camper. 
the camper I traded in was with M & T bank. Once the trade was complete it showed that my account was closed and I financed my new camper with another bank. As of end of XX/XX/2022 i was receiving phone calls from M & T bank to call them, Once I was able to talk to someone they told me that i was 4 months past due on making a payment. I told them there is no way thats possible cause the loan i had on that collateral was traded in to XXXX XXXX that I even dont own that camper anymore. So i called XXXX XXXX  They called the bank and spoke with them and sent them all the documents that the camper was traded in and resold to another customer. During this time i was promised by XXXX XXXX and M & T bank that while they were trying to figure all this out that my credit was not going to be impacted. Well as of Friday XX/XX/XXXX was notified by XXXX XXXX that there was a change in my credit so i looked into it and shows that M & T bank has reported me as deliquent on payments with them. This is falsely reported considering This account shouldnt be open or even in my name. I was told to file a report before taking legal matters as to where this has hurt my credit tremendously.

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 2022-03-17
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to contact RVO and was informed that I could not speak to the representative at the extension that I called. I tried to contact the company to request a full ledger of the account, release from income tax statement as well as a judgment paid in full statement. As of date, I have received no response from the law firm. This debt has been paid in full and in its entirety. My attempts to communicate with this law firm go unnoticed or simply ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
My name is XXXX XXXX and I am the one filing a complaint. 

ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.

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 2022-03-17
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A deposit of a tax return was returned to sender unauthorized my husband is the second card holder on my account he was asked for ca id and ssc and proof of address I sent them all 3 they still sent the deposit back to sender

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 2017-04-20
Company: Mobiloans, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have submitted  XXXX  complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from (  XXXX  )  XXXX ,  (   XXXX   )   XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!

Company response to consumer: Untimely response