BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notice of unpaid tolls and fees from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/. In this notice, they have stated that they have been retained to resolve the amount owed to the Delaware Department of Transportation, and according to their client, I have an outstanding amount due in the amount of {$91.00}. First, no where in this letter did they state who that client was which is a direct violation of the FDCPA. Next, I noticed that the license plate number they provided is not my license plate number. Finally, I have never been to Delaware. Pursuant to 15 USC 1692e ( 11 ), they also didn't disclose in this letter that this is an attempt to collect a debt. That's 3 violations already.

So on the same day I received the letter, I called Linebarger Goggan Blair & Sampson, LLP to get some clarification and verification on this alleged debt. The representative I spoke to never gave her name, and was rude and refused to provide me service because I did not feel comfortable giving out my personal and private information which I have a right to do. And by the misinformation in their letter, that gives me even more cause to be concerned with providing my information. It's funny how they never verified this information directly with me like they are supposed to do, but wants consumers to verify their own self to another stranger instead of just taking the reference number that was provided. There is no reason to collect my private information if a reference number is given, unless they are assigning the same reference number to multiple consumers. Since the agent refused to help, I let her know that a lawsuit will be commenced, thanked her, and hung up. 

There are multiple violations that this company has committed that I will sue them for, such as opening an account without my consent. Pursuant to 18 USC 1028A, that is aggravated identity theft. They should not have my information without my consent and without verifying directly with me. They are also charging ridiculous fees such as a " violent crime '' fee. This is also against federal law as there is no crime being committed, and if it is, where is the victim? It's clear they are doing this to harass and abuse consumers with their false accusations and absurd fees. They provided no proof/reason as to why or how I owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all these, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve these issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I keep getting calls from Enhanced Recovery Company even after I spoke to them and told them to stop calling me and that they are in violation for putting a debt that 's over seven years old on my credit report. I disputed it with XXXX in which they stated that there was n't an entry from Enhanced Recovery Company on  my report. Yet I see it on my report. Enhanced Recovery Company bought the debt and put it back on my report in XX/XX/XXXX showing an estimated month and year removal of XX/XX/XXXX. This debt is past the statue of limitation and I want them to remove it or I will be looking in filing a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX 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 2017-05-19
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have been trying for months to get this account off of my credit report. I have sent in XXXX disputes along with proof that it is myself requesting the account to be removed. I have requested a full file disclosure and not received.

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 2022-04-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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  Account # XXXX XXXX XXXX XXXX  Account # 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. 16815-2 ( 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. 

XXXX has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX  states i have had a card sinceXX/XX/XXXX but the information only reflects XXXX XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX XXXXXXXX illegally restarted removal timeline after settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with Wells Fargo in XXXXXXXX XXXX XXXXXXXX. Someone had got access to my account and was using while I was at work. They used my account to purchase different items and different states all in one day. When I went to the big branch in XXXX XXXX I couldn't get any help and my account was closed I had over XXXX dollars when my account got accessed and I wasn't able to get any of it back.

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 2023-08-11
Company: EQUIFAX, INC.
State: FL
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 reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint with CFPB and here is the original complaint. " I received a letter dated XX/XX/2023. From a debt collector. Waypoint resources It says I have a debt from XXXX XXXX. This is false. I called them Waypoint resources on XX/XX/XXXX and stated that. They proceeded to not let me speak and in the letter it said quote ''. Call or write us by XX/XX/2023 to dispute all or part of this debt. If you do not, we will assume this is your debt ''. I forcefully stated this was not my debt but the lady kept interrupting me and would not let me speak until I had to just talk over her and told her to record this. It did not say just to mail it but also I could call. They reported it to the all 3 credit bureau and now it's on my credit record. I also told them to never call me again about this matter. They have repeating called my work phone and personal phone now. Here is the information. reference number XXXX account number. for waypoint. XXXX The said debt amount is {$220.00}. which is not mine nor do I claim it. Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is the address not he letter. However the address on the credit report is Is out of Texas. Please make note of both. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is their response " Hello, Thank you for providing the details in regards to your complaint and dispute with XXXX. We have removed all phone numbers from your account and will cease communication. Credit Bureaus were updated and withdrawn XX/XX/2023. To validate the removal we recommend visiting XXXX, XXXX, or XXXX. At times third party sites could reflect invalid information. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' They responded to the complaint but they have not removed this off of my credit report from XXXX, XXXX or XXXX. As of this morning it is still there. I need for them to remove them as they said they did. They are not being truthful! They are affecting my credit at a time we are needing to get credit. This is unacceptable! Please hold them accountable. Here is the original 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 2023-08-11
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX/XXXX/XXXX I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the XXXX credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since XXXX/XXXX/XXXX. The court order states that I pay XXXX a month and I pay more than XXXX a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the XXXX XXXX XXXX XXXX and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsible Father,  my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

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