BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Windham Professionals, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, a federally protected consumer, and I am making this complaint against Windham professionals INC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. On XXXX XXXX Windham professionals INC sent two letter stating an alleged debt was owed to them a total of {$3000.00}. In a conspiracy with XXXX XXXX XXXX XXXX to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. Windham professionals INC has violated my rights under HIPPA in the attempt to collect and alleged debt they have illegally received my health Information with disregards for my rights to privacy. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. On XXXX 2022 request for validation & verification was demanded and ignored. An XXXX attempt was sent on XXXX XX/XX/2022 certified mail and was confirmed delivered XXXX XXXX. Windham professionals INC has failed to rebutt the affidavit. Please provide me with documentary evidence of the obligors consent given to be contacted or Hippa Information to be attained. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently alleging this debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Windham professionals INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Windham professionals INC, continues its collection efforts, I will file for litigation for actual damages caused and Windham professionals INC, shall be liable for violations of XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX XXXX. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion is reporting 2 hard inquiries on my consumer report that I did not give consent or authorize. The hard inquires are dated : XX/XX/XXXX XX/XX/XXXX They are both from an unknown company called XXXX XXXX. I did not apply for credit on these dated nor do I know who this company is. Transunion needs to immediately remove these unauthorized fraudulent inquiries or Transunion will be in willful violation of the FCRA. 

I have also attached identity theft reports.

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 2021-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of identity theft. Someone stole my mail and got a hold of promotional checks that Citi card has been sending to my home which I specifically told them to stop doing. These persons used these checks to get cash which was charged to my Citi card. Transactions in dispute are {$750.00}, {$450.00} checks, and a {$48.00} balance transfer fee. 

I have reported this theft to Citi on XX/XX/XXXX, XXXXafter I learned about the fraud from our local police. The local police department informed me that they found some of my mail in someone else 's possession and asked me if I made any cash advances for the above-referenced amount. I reported this to Citi. Since then, I have been contacting Citi to resolve this case ( phone calls XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 2021 ) and they have been giving me the runaround and transferring me to different departments. My last conversation with Citi was on XXXX XXXX  ( after two hours of waiting and being transferred several times ) they told me that they resolved this case in their favor. I asked them for what reason and what evidence do they have, and the agent said that they will get back to me. Every time I call Citi, the agent tells me that their investigations team will get back to me but they never do. I have not heard back from Citi. 

As part of their investigation, Citi sent me copies of the canceled cash advance checks ( {$750.00}, {$450.00} ) and asked me to complete a form that I filled out and sent back to them in XX/XX/2021. The canceled checks clearly show that the checks were signed by someone else. I also provided them with the local police case number and police officer contact info again. 

After months of trying to resolve this, Citi is still sending me bills and charging me interest. Every time I call, their agents give me the runaround, provide false information ( i.e. you don't have a balance on the card ). Citi has reported me to the credit bureaus for a delinquent account.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-04-15
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXXXXXX XXXX  Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE FILED A DISPUTE WITH CREDIT BUREAUS AND THEY ARE IGNORING MY REQUEST. I ALSO SUBMITTED A POLICE REPORT TO THE CREDIT BUREAS AS WELL FOR THE IDENTITY THEFT THAT WAS OCCURED.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2021-04-15
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: ND
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 ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX has called me a few times and could not give me ani info in regards to this. All they kept saying was I knew it was and i should pay my bills and he was trying to help me out not get sued. He has also started calling my friends to frighten them as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
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: Information belongs to someone else

Complaint:
There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: MA
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 paid off a Wells Fargo Auto loan on XXXX XXXX in the amount of {$4300.00}. Wells Fargo sent me a letter that the debt was settled and the title was mailed to me. 
Several weeks later Wells Fargo contacted me and said that the payment didn't go through ( It was a bank check or money order I paid with ) and I asked them to show me the check I sent them. They couldn't locate the payment form and said it was still outstanding even though I have a letter from them and the title. This has ruined my credit. I had XXXX reach out to them and nothing was resolved. I than had XXXX dispute this and they charged off the amount on my credit report. 

It had escalated to the Presidents office at Wells Fargo and I spoke with someone who said they were passing my information along and I never heard back from them and didn't know how to contact someone at the Presidents level.

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 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently attempted to XXXX for Capital One bank and I was told I was not able to open an account. I called the bank to figure out whats going on and I was notified of an unpaid credit card under my name. I NEVER had an account with Capital One, any previously opened account is fraudulent. I made that clear but Capital One insisted that the account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EOS 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: Information belongs to someone else

Complaint:
EOS CCA continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them or XXXX. Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them. 

The account in question is EOS CCA- Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the past four plus years I have filed 6 mortgage related complaints about the servicing of my mortgage by Wells Fargo and XXXX. All of these complaints have followed the same course in that the XXXX forwards them to the named corporation, they respond by saying they did nothing wrong, I reply with my feedback and the case is closed. Seeing that the XXXX is the enforcement agency when it comes to violations of mortgage laws and regulations, I would like to know how or when is it enforced other then compiling a list of complaints submitted by consumers and if enough complaints are received about a specific corporation an investigation is conducted and fines are administered. How is this considered enforcement when nothing is done to stop, as in my case, the continuation these violations while they are occuring resulting in the illegal foreclosure continuing until the home is lost? As it is now it would be like calling the fire company when your catches on fire and being told that they will be there once its done burning. Does not do much to help after the fact. All this has done is to allow the mortgage companies do as they please. As in my case where the initial filing of foreclosure violated the Dual Tracking law, mis handling of escrow funds, fraudulent theft of escrow funds, two years of deceit and incorrect amounts charged to the account as it was transferred to XXXX in XXXX of 2021. The continuation of foreclosre while in an 18 month forbearance with documents stating it was in forbearance and no foreclosure activity would take place to include the violation of servicing requirements for a VA backed loan. Even after reporting this to the XXXX, hiring an attorney, going to court only to find the judge not knowing these laws, I am now faced with a new sell date. Would you please explain how this is enforcement of the law.

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 2022-05-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm writing to inform you about XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Equifax, XXXX, and XXXX. XXXX is trying to collect money from me without legal contract with them and other credit bureau can't verify legal contract with my signature on it. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past years I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
It has been 30 days from the day I sent them a letter ; I am demanding them to furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If they are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX  to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to XXXX XXXX XXXX XXXX  just search their portal so they dont no if its accurate or not.

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 2023-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wells Fargo has created a unauthorized account using my information and admitted to doing so but wont come up with a remedy for their deceptive and fraudulent practice. They claim they would send me to mediation but never got back to me. Also they know I have only 2 years left before the statue of limitations comes into effect for this problem. Ive reached out 3 different ways and have it all documented and receipts. An I also have proof for what they have done.

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