BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: MoneyLion 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 have reached out via mail and phone to the company and received no response. 

The company 's listed contact information on my credit file is Contact XXXX XXXX  XXXX XXXX, UT XXXX ( XXXX ) XXXX However, They do not respond to any mailed correspondence and the listed phone number is a non working number. 

This account is fraudulent and needs to be removed from my file asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27
Company: CL Holdings LLC
State: AL
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:
In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Capital Management Services, LP
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
NEW COMPLAINT NOT A DUPLICATE : XXXX XXXX continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.

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 2021-08-31
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: Was not notified of investigation status or results

Complaint:
I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2020-04-03
Company: EQUIFAX, 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 noticed fraudulent activities on my credit report that I did not consent nor authorize! I am highly upset to know that I I've been scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer

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 2017-03-15
Company: ERC
State: GA
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 have previously paid this debt to the creditor in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: MRS BPO, LLC
State: OH
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:
Around XX/XX/2019, we started getting numerous phone calls from MRS . I didn't recognize the caller, and the phone they were calling is mostly just a landline for the computer. At one point my wife had had enough and answered. She was told they were trying to collect a debt owed by someone with my name. She apparently talked to the " nice man '' for awhile and wrote down a number for me to call him back. Other than being mad that she even talked to this person, I know that I am not behind on any bill and that I have received nothing in the mail saying I owe anyone anything. I figured it was a scammer. I did not call the " nice man ''. They continued to call. I finally answered. I asked what it was about. They said debt collection. I told them that I am not even one month behind on ANY bill, have not been, and they obviously have the wrong person ( There are 2 or 3 people with pretty much the same name as mine in my town ). I told them it is not my debt and stop calling me. Never heard from them again. Now I see that my credit score has inexplicably dropped 100 points, so I check with XXXX. They list a collection put on my record at about the same time as I told MRS to stop calling. MRS is the collector, $ 1200+ for XXXX XXXX XXXX ( I haven't had an XXXX XXXX XXXX  account for as long as I can remember ). There was also an address for me in Indiana. Have never lived outside of Ohio. There was a variation of my SS #, they only show the last 4 digits, it was off by 2. XXXX  wouldn't let me dispute the address because " more than one creditor listed it for you '' The 2 " creditors are MRS BPO and MRS Associates, ONE creditor gaming the system to make it impossible for a person to correct their credit report until they pay extortion money, apparently. Since I'm not in need of additional credit any time soon, I'm not over their barrel. This was put on my credit report fraudulently, without any proper notification of any debt owed. How is it possible for these scam artists to place totally bogus information into someone's credit report? Shouldn't there be some type of alert sent when a new address, SS # or a collection account is put on an otherwise squeaky-clean 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date : XX/XX/2019 Company : Renton Collection  Original Creditor : XXXX XXXX XXXX Original Balance : {$850.00} Action taken : I filed a dispute with Renton Collection.  The dispute ended XX/XX/2019 Result : Renton Collection declined the dispute request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, Capital One is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Kriya Capital, LLC
State: OK
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:
XXXX XXXX sold an alleged debt not owed by person shown 'responsible for debt ' of {$440.00} generated in XX/XX/XXXX to a company called XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. The alleged debt was posted to the account with a falsified date of XX/XX/XXXX. 

The debt was disputed and shown to be in error and reported to the FTC. XXXX and XXXX were contacted with cease and desist letters notifying them of Fair Credit Reporting Act, 15 U.S. Code 1681c, and the Oklahoma statute of limitations for debt collection which has shown the alleged owed debt is time barred ( 1295 ( 1 ), and can not legally be posted to the referenced credit report. The falsified debt was removed from account, and XXXX and XXXX stopped contacting for payment. 

XXXX and XXXX then sold the false debt to another company, Credence Resource Manage, XXXX XXXX XXXX, XXXX, MI XXXX, which posted a false date of XX/XX/XXXX of account debt opened. They have attempted collection of a debt which is over 8 years and three months old, and posted an incorrect and falsified date to a credit report, which is a direct violation of federal and state laws. 

This is the second time dealing with this issue, and it continues to be a problem with multiple companies selling off a debt not owed and ruining my credit history, showing me to have bad credit for a debt which isn't owed and doesn't even fall within the legal timeframe for debt collection Since this is the second complaint against XXXX for the same alleged debt, I'm considering suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: GA
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/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: ERC
State: NC
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:
ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.

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 2016-04-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So, naively I went on line because I was preapproved! Well, no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We opened a merchant account with XXXX  XXXX XXXX back in XXXX, XXXX, And after opening the account we noticed that XXXX is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since XXXX  was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from XXXX claiming that I owe them this amount. I requested XXXX  and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since XXXX didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from XXXX and XXXX. 

XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX {$8900.00} XXXX {$5100.00} XXXX {$4100.00} XXXX {$10000.00} XXXX {$4500.00} XXXX {$2600.00} XXXX {$5900.00} XXXX {$6200.00} All the amounts and dates above were reported into my credit report, for a total of {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a " credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Bank of America has not contacted the merchant as requested and Bank of America refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.

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 2015-06-19
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt is owed to XXXX XXXX College for a XXXX, the teacher was incompetent at teaching the course. I received a XXXX in the course which I was fine with until I started at XXXX the next quarter and recieved a 98 % in a college XXXX course, My math skills placed me out of the course I scored a XXXX in. I thought the class was paid for but since that time i have received repeated harassing phone calls from XXXX. XXXX XXXX College clearly has no interest in the welfare of their student body if this is the agency they send outstanding debts to. 
I have been called over XXXX times by the rock hill number generally XXXX a day to XXXX a day but recently has lessened in frequency though I also received calls past XXXX which is illegal in itself. I have donated money XXXX XXXX XXXX College, however i am not going to pay this " debt '' after this serious harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.

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 2020-04-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
good afternoon, I write why, I have put a complain of the mortgage company the name is PHH Mortgage services phone number is XXXX, here I send you the previous complain, I do not agree with the solution that sent the company, where he says he wants to help, as I said earlier they want to give me three months without paying, but then I have to pay the three months and new months together, which is this????, you as a government office should protect us not to let these companies abuse their clients, that opportunists are in these situations where they also profit from the government by asking for money to survive the situation but, so they also take away the homes of families who have worked all their lives so that they can have a house the American dream, please do not Let us get fooled from these companies help us I ask you to do an investigation into cases like mine that I am very sure there will be more cases like mine, help do not cover your eyes so that the companies say.

Company response to consumer: Closed with explanation