BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased a house rental property lease dated XXXX/XXXX/2016 and I terminated early because I lost my job and had to relocate for a new XXXX. Although not a reason to justify early termination, Under Texas XXXX ( XXXX. XXXX. XXXX XXXX. XXXX ), " if you do n't have a legal justification to break your lease, your landlord must make reasonable efforts to re-rent your unit -- no matter what your reason for leaving -- rather than charge you for the total remaining rent due under the lease. You need pay only the amount of rent the landlord loses because you moved out early. This is because Texas requires landlords to take reasonable steps to keep their losses to a minimum -- or to " mitigate damages '' in legal terms. '' I moved out on XXXX XXXX, 2016 but paid rent for XXXX 2016 ( through XXXX/XXXX/2016 ). I notified the property management firm on XXXX XXXX, 2016 that I vacated the property and to please re-lease it. The property was listed for rent by the property management firm on XXXX XXXX, 2016 and was successfully leased beginning XXXX XXXX, 2016. I should not owe any rent money for breaking the lease since it was rented immediately and there was no loss of income. 

Since the property management firm re-leased the property immediately, all I would be responsible for is the amount of time the unit was vacant, which was already paid by me when I paid XXXX rent. 

Now I have a collection agency trying to collect a debt of {$16000.00} which in my calculations is the remainder of the lease.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian put my first name incorrect and inaccurate.My first name is " XXXX '' but Experian before put XXXX and now XXXX.Because of my incorrect name, inquiries from different companies and other credit information do not add with my Experian credit report.So my credit report generated by Experian is incomplete, inaccurate and no credit score generates.several times I called them to fix it but they said, they could not able to fix my first name.when any company is getting credit report from Experian, because of incomplete report, they are refusing my credit or permit, license.Recently Massachusetts state Lottery Commission declined my Lottery agent application because of incomplete Experian credit report. while other XXXX Bureau like XXXX and XXXX are generating correct report and updated scores, they have my correct first name and all information.If other XXXX bureau have my correct name why Experian can not able to do! I do not need inaccurate and incomplete credit report because inaccurate report misleading the inquiry companies, they are misunderstanding about my credit performance.By law Experian have to use my accurate personal information because they are doing business using my credit report but Experian is refusing to fix my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am unable to pay the loan amount at this time, I tried to work out a settlement and they did not accept that. I plan to pay but they call distant cousins, brother in law, my employer and ask for my Supervisor, called my mother and my sister and my ex wife stating they have filed a lawsuit against me. they are harassing me when I am already willing to make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Southwest Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work.

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 2016-11-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My girlfriend and I moved from an apartment complex 4 months ago. XXXX. The local police and apartment complex were notified. We moved out of the apartment a week later in fear for our well being. Today, my girlfriend was contacted and and verbally assaulted by multiple employees from IQ Data International. Stating that if she does n't make a full payment of $ XXXX bad things will happen, along with a slew of curse words. She called back to get more information and was again verbally assaulted. My girlfriend contacted the apartment complex and the manager felt bad about the whole thing but said it is out of her hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was involved in a XXXX issue for the past 2 years. I have received a XXXX order. Due to my continued efforts over the last 2 years to leave my ex common law spouse I was forced to break XXXX leases. I now have these broken leases reported on my credit report. I am trying to relocate and restart my life but am unable to rent at any establishment due to the broken leases. XXXX XXXX Broken lease was with XXXX and occured approximately a year and a half ago. XXXX occured about 9 months ago with XXXX. XXXX been placed in collections.XXXX is with IQ Data International Inc. and XXXX is with XXXX. I have uploaded my protective order. I need these removed from my credit report in order to rent a place for me and my XXXX kids.

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 2017-02-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IQ Data is reporting on my credit report a balance of 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 2015-10-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I was advised that there would be a early termination fee and i gladly accepted to pay it. 
Once i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. 
Yesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. 
I never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. 

Can you please help me resolve this issue? 

Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting inaccurate information I have submitted the correct information, but the continue to report what they want instead of what i sent them about me. 

addresses phone numbers names jobs

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 2015-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opted to use PayPal 's BillMeLater XXXX XXXX months interest free XXXX to purchase a refrigerator. PayPal subsequently provided a bill showing no payment due. However, on the XXXX bill showing a payment due, they had already rolled the entire XXXX months of interest into the balance due. Immediately upon receipt of the bill showing a payment, I contacted them to clarify that I could pay the balance in full without interest charges. They said I was a few days outside of that window. I asked to speak to a supervisor who told me that he understood my confusion and XXXX. ) asked me to pay the original balance and XXXX. ) asked me to fax a letter requesting the interest charges be removed. I made the payment with him and have faxed the letter XXXX now and although I get an acknowledgment email saying that I should see any adjustment within XXXX days, the interest remains on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Monterey Financial Services LLC
State: ND
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 was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report.

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 2016-08-16
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were attempting to ONLINE pay one of two debt listed with the collection agency. Their online system does not allow individual debts to be paid, they are forced to be consolidated. I attempted to pay the XXXX XXXX XXXX debt ( the lower amount ), but the option to receive confirmation of either debt paid will not be reflected, neither debt is shown paid. If one debt is in being challenged, they force you to pay both in order to get the other addressed and off your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection agency for some apartments that i never lived at. I have disputed this account multiple time with no success. I have had the collect agency send me the information they had, which showed that the dates this apartment was leased, I was receiving unemployment. I contact unemployment and got my records from them and filed another dispute and submitted my unemployment documents to prove it was not me but still no success. XXXX has also contacted the collection agency with my documents but they will not remove it. I have contacted the collections agency asking what kind of steps I could take to get this removed and they told me to pay it. When I tried to explain to them the situation, they told me there was nothing i could do. This account on my credit is holding me back from so many things and i just need help getting it off please!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are both writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.

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 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank of America handles prepaid cards for the XXXX XXXXXXXX. I am unable to activate my card online because my " security information is incorrect '' despite multiple attempts, triple checking what I entered. The prepaid customer service number, and in fact all of their customer service numbers have been disconnecting after one ring every time I call for several days, so I can not activate the card that way either. 

I am completely out of money, with past due bills and rent, and I can not access the funds the state has given me. I am incurring late fees as I type this. I will be out of food soon, as well, have had to cancel necessary medical appointments, and can not afford my insulin. 

This is completely, and utterly unacceptable. If I could seek damages, I would.

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 2016-05-10
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I applied for a job and was offered a position. Subsequent to that a credit report was requested. There were XXXX items that were reported incorrectly. As a result of the incorrect items an adverse action was taken against me ie rescinding a job offer. These XXXX items as reported were. 1. a bill of {$260.00} reported by XXXX for an account listed in XX/XX/XXXXand held for two months. I returned the items apparently comcast lost them or incorrectly listed the items as not returned. 
2. XXXX. I have had an account with XXXX for about 20 years. This past year I did not work for six months consequently XXXX disconnected my service for two months service. I have tried to talk to XXXX XXXX without success. Once I work I will be able to pay them back but given the availability of streaming and low cost alternatives maybe not but I should not have a job offer rescinded. 
3. Villages of XXXX XXXX, XXXX Oregon. I went to XXXX to work for two months. I took over a sublet. I was required to pay first and last months when I moved in. I stayed for two months, I gave notice a month in advance. I paid for three months and stayed for two. It has been impossible to resolve this without hiring an lawyer in XXXX Oregon which is across the country from where I live. 
4. IRS. Like XXXX other people I was impacted by the XXXX. I listed the foreclosure judgement on my house as a loss. The IRS did not like that. They imposed a lien on my house. To have it removed I need to hire a lawyer who the IRS will talk to. They will not talk to me. I should not lose a job over this. Furthermore a lot of my effort in the past 5 years has been to keep my house. 
5. Because of the above, i bought a car with a ridiculous interest rate. I was out of work for several months. XXXX XXXX did crazy reporting. It has been impossible to talk to anyone at XXXX XXXX. 
Debtors prison has been done away with. I have had a long slow climb out of debt. To have a job rescinded because of previous debt is ridiculous and beyond the scope or abilities of an Human Resources manager. I agree to have a background check but to use the results of a background as grounds to rescind a job offer is nuts. Credit reporting is mainly a tool wielded by bullies used to justify higher interest rates, and in this case lose a job. Telling the IRS in XX/XX/XXXX that I had been out of work for 18 months was useless, as their prime focus is to pick on people who ca n't fight back. Its what they do. The have a lien on my house. I ca n't sell it without paying off the IRS. Mine is a story of what can happen when XXXX hits the fan but I should not have a job offer rescinded because of previous debt. This is most unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a copy of my credit report sometime in XXXX. It shows I had a 30 day late payment to XXXX Account XXXX which was not true because I have had a XXXX balance for quite some time. I called XXXX and they admitted their mistake, then sent me a letter dated XXXX XXXX stated they would delete the delinquency from the credit report. I waited 30 days and it had appeared to be removed from XXXX and XXXX, but not Transunion. First I filed an online dispute with Transunion ( case XXXX ). It came back with the delinquency still showing up. I called Transunion and they said it was XXXX fault. I called XXXX and they said they had sent everything in they needed to. Then I called Transunion back and conferenced in XXXX at XXXX. His number is XXXX. XXXX told Transunion they had sent everything in to remove the 30 days late mistake. They even sent me another letter dated XXXX XXXX, that the delinquency should be removed. Transunion told me to file another dispute. That came back denied as well even after I uploaded the letter from XXXX that the delinquency should be removed. 
On XXXX XXXX at XXXX PST I spoke with XXXX person at Transunion that could n't resolve my issue, then I got her supervisor, he could n't resolve it so I was transferred to HIS supervisor XXXX who told me that the last supervisor tried to do a phone verification with XXXX to verify the delinquency was n't valid however XXXX would n't give out any information. I told XXXX I could conference XXXX in right now to verify. He said he did n't have that capability and I should call back tomorrow and ask for " Special Handling in the XXXX '' who can do phone verifications. 

This is absolutely ridiculous and I have never gone through a phone experience this bad, all while my credit score is inaccurate because of an incorrect delinquency that the creditor is admitting is not accurate. 

Please help me. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation