BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, in a conference call with myself and the insurance provider, XXXXXXXX XXXX became aware that the fraudulent insurance claim they submitted was not eligible for payment and they agreed to stop trying to collect any more money for this {$18000.00} bill for services not provided and refund the {$13000.00} that was collected on this charge. After time had passed and I did not get a check, I called back on in XXXX and the patient accounts lead confirmed that she had forwarded this account to legal and that they should have drafted the refund by now, but she did not know why they didn't and didn't have a time frame. After this, legal sent a gag letter saying we were not allowed to call and that we would have to submit more communication in writing. We did submit more than one certified letter after this and they never responded. They did not respond to the state consumer protection complaint either. They submitted bills for services in XX/XX/XXXX and we disputed the bills because they still owed a refund via certified mail and the dispute was not acknowleged or responded to. We sent written follow up in the medical chart as well and it was not responded to other than saying " we aren't allowed to respond to you '', and then 2 more letters were sent with no response. Then we recieved a notice from a collection agency for the debt and we sent them a certified mail dispute and this collection agency did not acknowlege or respond to the dispute either. The collection agency is IC System with reference number XXXX and the dispute was sent with tracking USPS 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 2021-03-12
Company: Experian Information Solutions Inc.
State: NY
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:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,

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 2021-03-13
Company: General Motors Financial Company, Inc.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  is not helping the consumer and is allowing these collection agencies to place fraudulent accounts on my file. on XX/XX/2021 I submitted dispute Confirmation number : XXXX with a due date of XX/XX/2021 for an account that is not verified as belonging to me, and the collection agency MERCHANTS CREDIT GUIDE would not provide a copy of the executed contract as requested prior to filing the dispute with the credit bureau.MERCHANTS CREDIT GUIDE did not provide the requested verification documents within 30 days therefore XX/XX/XXXX deleted the account from my file. However, on XX/XX/2021, MERCHANTS CREDIT GUIDE somehow resubmitted the same exact account to my file as a duplicate for approximately 5 days (XX/XX/2021-XX/XX/2021 ) at which time XXXX removed the original disputed item sent XX/XX/2021 which violates guidelines to have the same collections account on my file twice at the same time. I called XXXX to ask how's this possible and was refused to speak to a supervisor after the agent stated he can not expedite the deletions request, he can only resubmit the dispute of the new account and allow another 30 days for MERCHANTS CREDIT GUIDE to respond. This now allows the collection agency a total of 60 days to provide proof of account instead of the given 30 days. Again, the collections agency has refused to provide an executed contract and validation of ownership of this account. XXXX  has opened a new dispute today XX/XX/2021 Confirmation number : XXXX for the same exact item I disputed over 30 days ago. This should be removed immediately and case closed. However XXXX  is not willing to help the consumer, only the collection agency and this isn't fair to me as a consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already reported this to the XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX Georgia Office ( Case Number : XXXX ) towards XXXX XXXX XXXX XXXX. This is a business scam and I want this completely taken off of my records. 

I was promised by 4 different live chat customer service agents of XXXX XXXX XXXX that when my equipment was returned that I would receive a credit back on my account for {$1000.00}. This would bring my balance to {$0.00}. I had successfully returned the equipment and after A YEAR of patiently waiting for my credit ti is still going through collection agencies. This is unacceptable and feels like a complete scam. Now no one at the company can give me any response now and I am getting the runaround. I have been transferred from department to department and hung up on. 

I would appreciate your assists on this as I feel that since I canceled my service with XXXX XXXX XXXX this is their way of retaliating back. I was a great customer for many years and would appreciate them doing business the right way and not scam their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: National Credit Adjusters, LLC
State: GA
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against NCA for Harassment and Illegal Debt Collection Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against NCA, a debt collection company, for engaging in harassment and illegal collection activities regarding a debt that I do not owe. Despite multiple attempts to rectify this matter, NCA continues to harass me and has refused to remove the erroneous information from my credit report. 

Below are the details of my complaint : Debt Collection Company : NCA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Summary of Complaint : Harassment : NCA has been incessantly contacting me through various means, including phone calls and letters, despite my repeated requests for them to cease all communication. I was even inappropriately served a lawsuit at my place of work as an intimidation tactic. Their aggressive tactics have caused significant distress and XXXX 

Illegal Collection Practices : NCA has been attempting to collect a debt that I do not owe. I have thoroughly reviewed my financial records, and there is no evidence of any outstanding debt associated with NCA or any entity they represent. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of deceptive or abusive practices in debt collection. 

Erroneous Credit Reporting : Despite my diligent efforts to dispute the debt with XXXX, NCA continues to report the alleged debt on my credit report. This false information has severely impacted my creditworthiness and has hindered my ability to obtain credit or secure favorable interest rates. Moreover, upon conducting further research, I discovered that NCA is not even listed as an active business entity. 

I kindly request that you thoroughly investigate this matter and take appropriate actions against NCA for their unlawful activities. I also urge you to ensure the removal of this fraudulent debt from my credit report to restore my financial integrity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please keep me informed of any progress or actions taken regarding my complaint. Thank you for your dedication to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is my last attempt in speaking with you guys about violating my rights as it relates to my consumer rights. You guys are violating laws and I will list them. I have no knowledge that this account is mine. I have never received any letters from you guys stating you would report my non public information to a consumer report which is a third party entity. You guys will not sue because you are legally unable to, but I have the rights to sue and I will if this is not removed from my consumer report. 

1st law violated is 15 USC Code 6802 Obligations with respect to disclosure of personal information. ( a ) notice of requirement states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. If there was an alleged debt like you explained by federal regulations you are legally suppose to send that notice document. Which I have never seen nor do you have the proof that it was sent. You must also clearly and conspicuously disclose this in writing or electronic form or othr form permitted by the regulations prescribed under section 6804 of this title. And provide clear instructions of how I could exercise rights to opt out. None of that was provided.

2nd law violated what 15 US Code 1692g Validation of debt. you guys never submitted these documents either. If so please provide the documentation. With in five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- -- ( 1 ) the amount of debt : ( 2 ) the name of the creditor to whom the debt is owed : ( 3 ) a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; This was not done either. I have documentation that I have spoke with you saying this debt isn't mine and you continue to furnish inaccuracies on my consumer report.

I am asking for the bill of sale of this alleged debt and this is a notice to sue for aggravated identity theft and other violations that you previously stated in you have not violated.

Please stop responding with pre-typed responses and take this matter serious. I know every consumer law and you may want to get familiar with them before you cost you and your company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2021 I sent a communication to the 3 CRA as well as FFCC-XXXX  for verification as well as validation of the debt I do not believe was mine. I have sent 2 letters to FFCC-XXXX  and they have yet to send any information to say who they are, where they are from and where is the actual proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Resurgent Capital Services L.P.
State: LA
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:
An account with XXXX was opened under my name and social security account for an amount of {$15000.00} in XXXX XXXX and I identified the identity theft in XX/XX/XXXX. 
My identity was stolen and this account was opened. XXXX ( XXXX ) has since charged off and CACH LLC purchased the account from XXXX. I have been summoned to court and attempting to clear this account from my name, since I never applied for such an accounts. Currently the XXXX XXXX XXXX Law firm is from XXXX XXXX LA is the current debt collector and has taken me to court. 
I am currently in the process of waiting for an official letter from The U.S. Office of Personnel Management ( OPM ) and the U.S. Department of Defense ( DoD ) since my data was included in a e cyber incident involving background investigations. I have been given access to My ID experts for credit monitoring.

I ask that this be cleared from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

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 non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2019-10-07
Company: COAST PROFESSIONAL INC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, I received a call that was transfer to me at my place of employment, a public municipality where the calls are recorded. The call was from Coastal Professional - demanding to speak with me stating personal information on the phone with my cell phone. I've asked them to end the call they continued to speak about my personal business regarding my student loan. I asked them not to discuss because incoming calls are recorded and I could loose my job. The representative argued back and forth if I was going to call back. then gave me a phone XXXX which is to XXXX XXXX a company I never was associated with. This was a harassing call and misrepresented themselves and their purpose of the call. Also, they discussed my personal information with another employee.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft fees when I shouldn't have had them, closed 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 2021-03-13
Company: EQUIFAX, INC.
State: CA
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:
I sent it a dispute on 30 days ago and have not heard back from equifax regarding a dispute to remove two accounts u see litigation. The two accounts are XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: KeyBridge Medical Revenue Management
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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