BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: The Collection Agency LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX assigned my medical debt to Collection Associates ( CA ) in XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from CA stating that my debts had been assigned to them and that I needed to call them to make a payment arrangement. I promptly did so, requested more information including an itemized bill and a breakdown of total debts, since some of my medical debt hadn't been sent to collections and I was unsure of the sum total. Instead, the notice I had received only included small amounts with no indications of what they were in reference to, and no account number. They did not send an itemized bill with account information, nor did they provide a total summation of my debt or provide payment options in writing. I attempted to contact CA twice since then, and have not been able to get ahold of anyone because they do not have an answering machine, website, nor do they provide a means of leaving a message anywhere. The sum total of my debt is {$1700.00} ( as far as I know ) but I have only received notices for {$160.00} of that sum. Previously, XXXX had agreed to a payment arrangement with me because I had lost my job in XXXX of XXXX and they offered in late XXXX of XXXX to send me an application for assistance, which I only received in early XXXX ( due to relocating, the application arrived late ). The lack of transparency and dishonest practice is unjust, and their failure to adequately provide me the necessary information to reasonably settle or dispute the debt puts me in an unfair position. Without an itemized bill with relevant account information, a summary with the amount of total debt in collections, and adequate communications processes, it's impossible for me to exercise my rights. 

Separately, in XX/XX/XXXX I received an additional bill for services from XXXX. I promptly paid that debt in the amount of {$98.00} and the account balance was {$0.00}. In XX/XX/XXXX, I received a notification via email that I owed an additional {$18.00} from a service dated in XX/XX/XXXX. Because of the holidays I did not immediately respond and received a second bill on XX/XX/XXXX. On XX/XX/XXXX I received a notice of collections from CA in the amount of {$18.00}, which I find disturbing as I had previously believed my balance to be {$0.00} and believe that I should have been given more time to reply before the matter was referred to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-03-16
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called XXXX to tell them they were settling my debt for way higher than what the creditor were ask for. For example, a XXXX was asking for XXXX and they settled it for XXXX. I rejected the offer and it said they I did. And on top of that they were going to charge me a XXXX fee. They also did this with my XXXX XXXX debt with creditor offered XXXX and they had a settlement of XXXX. They have been doing this also with an old debt for XXXX and they were settling for the PIF of XXXX when the creditor offered XXXX. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: IL
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 had two fraudulent charges on my Wells Fargo Credit Card ending in XXXX. The card is in my maiden name XXXX XXXX. Despite filing a police report and an FTC identity theft report, Wells Fargo claims the charges are 'valid ' which to me is defamation since it implies I falsely claimed the charges were fraudulent I filed a fraudulent police report which is against the law. 

I did not make the charges nor did anyone I know including my authorized user at the time ( XXXX XXXX ) make the charges. She is my daughter-in-law ad we have been estranged since XXXX. I have had no contact with her since then nor have I given her physical possession of the credit card. I am not at all aware of who made these charges

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 2023-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi DISCOVER FINANCIAL SERVICES ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX XX/XX/XXXX ~ {$400.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$1000.00} This amount of monies was taken from my account by scammers who hacked into my computer and took complete control of my computer, and I had to have the XXXX XXXX from XXXX XXXX come into my home and I had to completely shut down my computer and not use it and cancel all of my appointments over the internet with my providers. They had also hacked into my cell phone and I had to call XXXX for them to do a scan and get things cleared up in my phone, as well. 

Because my bank says that I provided my PIN each time a transaction was done they say that I was part of the scam and they do not TOLERATE scams, and they took back the provisional monies that they deposited into my account and they refused to give me back my monies. 

This all started on XX/XX/2022, with me getting a call from scammers pretending to be XXXX, and them describing my printer and them telling me of a new program that they have, and I thought that it was a great program and I had no idea what I was doing, but I had opened the door and let them in and they put more than XXXX files on my computer and took complete control of my computer and I had to jump through hoops to get the control back from XXXX to prove that it was me. 

The real XXXX did contact me as the scammers had blocked their calls but after XXXX cleared my phone I talked with them, and they told me to go to the police which I did and they have everything locked in their headquarters as the scammers wanted me to destroy the cards that I had bought but I refused. I am not able to find the police report that they gave me, but the scammers even called me while I was at the police station, and they heard the call and told me to block them. 

I had the claim with my bank reopened as one gentleman told me it was obvious that I was not a part of what was happening and that I was taken advantage of but my bank still insists that I was part of the scam and they are refusing to refund my monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX 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 2023-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Bankruptcy, Reference # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written Instructions.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting 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 Reporting act XXXX  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 an account without my written instructions.

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 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or around XX/XX/2022, Midland Credit Management served me court papers suing me for a debt they attempted to collect on. Subsequently, they garnished my wages for the full amount of the debt over two pay periods in XX/XX/2022. 

On XX/XX/2022, I filed a motion to dismiss the case and have this item removed from my credit reports. Midland Credit Management did not show up for the court hearing on XXXX XXXX, XXXX  at XXXX. The judge did not immediately dismiss the case, even though I showed proof of the garnishment. 

Instead, the judge held the case over until XXXX XXXX, XXXX, which was the original hearing of the suit filed against me by Midland Credit Management. I did not attend the hearing as I had already satisfied the garnishment suit. Also because I could not get time off from my work. 

The case was dismissed/ closed as it was evident that the garnishment was satisfied. However, during the course of several weeks leading up to XXXX XXXX, XXXX, Midland failed to update my records with the credit bureaus and still has not done so. This has caused irreparable harm to my credit standing and has negatively impacted my credit scores and rating preventing me from getting any kind of loans or financing. 

I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX  XXXX ) and the Virginia Attorney General 's office ( XXXX ) based on the predatory practices of Midland Credit Management and their constant violation of the Fair Credit Act and laws. I had also previously filed a complaint against them on this site. 

At this point, the credit reporting agencies still show the Midland Credit Management collection, but has reduced the amount owed to {$750.00} which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Windham Professionals, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My dispute is not with the medical bill that was owed/paid. It is with the not acceptable collection tactics used to attempt to collect a debt. When I received the original call from this company I specifically and verbally informed them to cease and desist all communication with me and to NOT contact me again. They continued to argue with me and told me they will continue to call me or put it in writing. Under the FDCPA when a consumer verbally tells a third party debt collector to cease and desist whether verbally or in writing they are to cease all collections on the account. The FDCPA does not state it must be in writing. Once this call was over I immediately called the original creditor to file a complaint against these clowns. I spoke to the manager of the billing department for XXXX XXXX XXXX. I expressed my concerns over the third party collection practices used to collect a debt. The collection manger apologized for their unprofessional tacky actions and I was assured they would pull my 2 accounts placed with them. The collection manager further assured me I would receive no more contact from this company. On Tuesday XX/XX/XXXX @ XXXX est I get a call from wyndham Professionals and their manager XXXX . When he first called me he said " hey XXXX he id self and company I had no idea who they were because it was awhile since I spoke to them, he then says I am calling you regarding a debt you have in my office and wanted to follow up with you per the conversation we had over a week and a half ago. Once I realized who it was I was livid and told him you were already warned to not call me again over this debt he began to argue with me and I ended the call. This wan na be manager/collector disclosed I had a debt with them and did not fully authenticate me further more did not read me the mini miranda prior to disclosing I had a debt with them. In addition the debt he was calling me on was paid in full the other debt was placed with another collection agency and will be paid in full XX/XX/XXXX. 

This third party collection agency violated my rights under the FDCPA and continued to call me after I verbally told them to NOT call me back, also their client pulled the files and told them to NOT contact me. I get a collection call on XXXX XXXX  over a debt that was paid directly with the client.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX XXXXThis is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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