BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX is trying to collect {$250.00} from me for utility services provided at XXXX XXXX XXXX XXXX in XXXX, MA ( account # XXXX ). This account and this service is not mine ; I can only presume an account was opened under my name and SSN and this is a case of identity theft. 

XXXX XXXX sent the above amount due to collection agency Transworld Systems , Inc ( account # XXXX ). I first become aware of the problem in 2014 when I began receiving invoices from Transworld. 

Both XXXX XXXX and Transworld have been notified of the problem. A police report of identity theft has been filed with the XXXX Police Department ( report # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company about alleged debt in the amount of {$900.00} this company is reporting on my credit profile on  XXXX / XXXX / 2017 . I have received no correspondence or phone calls prior to this being reported on my credit profile. I have no contract with this company and owe no debt to this company or any affliations. This false information this company is reporting is ruining my credit worithness and I am trying to solve this issue before I am forced to exercise my rights under FCRA if this issue is not resolved and removed off my credit profile.

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 2015-04-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my free credit report from all XXXX credit bureaus. I have received the reports from XXXX and XXXX. Equifax has not submitted my credit report after XXXX requests made via mail. I have submitted valid documentation to Equifax which includes XXXX form, Social Security card, driver 's license and a copy of my utility bill. I have mailed requests to Equifax XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. As of this date, I still have not received my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a payday loan of {$500.00} on XXXX/XXXX/XXXX in that area from Castle Payday Loans. Which has gone from Caste to XXXX to Red Rock Loans. I was told that my repay amount would be approximately {$570.00}, and agreed to that. I was not told of the 505.944 % APR, and the total payoff of {$3100.00}. I also could not see the Truth in Lending disclosure until after the loan had been processed and funds delivered to my account. I have no problem paying the agreed to loan of {$570.00}. I have made two payments already of {$250.00} each on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 

Please help. I will be telling my bank to not allow any other payments to be transferred until this is resolved or charged off. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: ERC
State: IL
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 paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full.

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 2016-12-14
Company: ERC
State: OH
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:
I have a a unverified account from ERC # XXXX. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-08-29
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have attempted to resolve this issue on several occasions with Sallie Mae. I contacted the company 's customer service department in XX/XX/XXXX and explained that I had been laid off from my full-time job with a law firm due to the Covid-19 pandemic in XX/XX/XXXX. I further explained that a job offer that I received with the federal government was rescinded in XX/XX/XXXX due to budgetary reasons. I also informed the customer service agent that I could only obtain temporary work at the moment and that full-time hours were not guaranteed. The agent failed to offer me a deferment in order to temporarily stop payments. The agent stated that I no longer qualified for a deferment. A denial email was sent on XX/XX/XXXX. The agent then offered a plan that required me to make interest only payments on the loan. These payments amount to {$220.00} per month. I can not afford this monthly payment due to my loss of income. When I requested that the loans be remodified ( lowering the interest rate which lowers the payment ), I was denied this request without explanation. The agent simply stated that you can afford to make the payments of {$220.00} per month based on the financial information provided to Sallie Mae. I can not even pay rent for housing at this point. There is an arrears of rent at this point, yet Sallie Mae claims that I don't financially qualify for my loans to be remodified. In addition, the agent that spoke with on XX/XX/XXXX claimed that she worked in the loan modification department and was extremely rude. She stated that my loan payment would only be reduced by an insignificant amount so she didn't understand my need for modification. I would like her unprofessional behavior reported to management. At this point, I must borrow {$220.00} to pay the past due amount and prevent the negative reporting of information to the credit bureaus. However, the loan payments are 45 days past due so another {$220.00} is still due to bring the accounts current. This I can not afford at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: IL
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:
When I reinvestigated my credit report, I see that the inaccurate accounts was still reporting erroneous in my file. The Experian and XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}

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 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written 2 letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.

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 2020-01-09
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an account From XXXX XXXX XXXX XXXX and it was removed in XX/XX/2019 it was added back to my credit report XX/XX/2019 I disputed it again and is still there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed the late payments on my credit report and they still have not removed them.

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 2015-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
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: Personal information incorrect

Complaint:
My personal information on my credit report is incorrect starting with my name, address. XXXX showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX, XXXX, T Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX54 XXXX XXXX 737917 DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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 2016-11-03
Company: Telerecovery Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account do not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For many years after I completed school and entered my profession ( XXXX XXXX XXXXXXXX ), I called Nelnet faithfully every year. Every time I called, I explained that I am wanting to complete my XXXX years in order to fill out the application for the XXXX  Loan Forgiveness. I asked if I was doing everything correctly and if I needed to do anything else. Every year I was told I was on the right path until XXXX. The representative advised me that I could do a loan consolidation. I reiterated that I wanted to do the Teacher Loan Forgiveness and did not want to do anything to jeopardize that. She advised me that the consolidation loan would not hurt me in any way. When I completed year five and filled out the application, I was denied!!! After many many attempts to receive an answer that made sense, a manager explained to me that within that loan I combined two different types of loans ( subsidized and unsubsidized ). One of which can not go under the XXXX  Loan Forgiveness. For this reason, it is all denied!!! I was devastated to say the least. I spent many years ensuring that I was doing the right thing for someone who did not know what they were talking about to mislead me!! I was told " There is nothing we can do. '' They advised me that they can see that I called every year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Columbia Recovery Group LLC
State: WA
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 am continually being harassed by a Debt Collector who has charged me with miscellaneous charges from my former landlord. 

I am in dispute with my former landlord over their refusal to return unto me my security deposit for the sum of {$2100.00}. They are also charging me above and beyond my security deposit of {$1100.00} plus interest for alleged damages. 

I have asked repeatedly for proof of this collection notice and alleged damages and neither the landlord or the debt collection company has provided any, yet they continue to harass me with threatening phone calls while assessing additional fees charged to me. 

I have carefully documented my departure of my former residence and the lease agreement, which I was in full compliance with. 

The Residential Landlord Tenant Act of the State of Washington, required landlords to conduct a Move in Inspection and written checklist, with the tenant at the time of move in. Because the landlord did not do this, I am demanding my security deposit back in full. 

RCW XXXX specifies that the landlord is liable to the tenant for the amount of the deposit, and the prevailing party may recover court costs and reasonable attorneys ' fees. 

RCW XXXX requires all landlords in the State of Washington to refund all security deposits within 14 days of vacancy from the tenant. Since I had given notice and which was indicated by the amended lease agreement that I would be vacating the premises prior to the termination of the lease, my former landlord had ample time to refund the security deposit and or send a written letter indicating why they are holding it back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a garnishment notice today at work from a lawfirm that is representing XXXX XXXX XXXX. I originally learned about a judgment from XXXX in XX/XX/XXXX, when I received a notice at my home. I immediately reached out to the firm to try and come up with a payment solution and they informed me that I would need to pay the entire debt. I also filed a complaint with the CFPB at that time but XXXX said the file had been handed off to the lawfirm. After I was served with the initial judgment paperwork, talked to the company, and filed the CFPB report, I did not receive any other communication about this debt at any point in time until today. I also have a credit alert to notify me of any changes to the credit bureaus. I do not understand how I can be served with garnishment paperwork if I was not even served with a default judgment. Further, the garnishment paperwork is stamped by the XXXX district court as received on XXXX XXXX, 2016 which is even more confusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection is trying to collect {$67.00} for my utilities of WiFi through XXXX XXXX when I know that all of my bills has been paid off when I returned the WiFi equipments. I asked the company if I owed anything at the time of cancellation and equipment return if I owed anything and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: ENCORE CAPITAL GROUP INC.
State: OK
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:
Midland funding llc is trying to collect on a debt that is not mine it was opened for my father who has the same name is me

Company response to consumer: Closed with explanation