BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive Management XXXX XXXX XXXX XXXX {$980.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I received a notice from Midland Credit management with three lawyer names, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I called the number on the letter with the 3 lawyer names and got an account manager that was handling the debt. It was not any of the 3 lawyers listed on the letter. They would not transfer me to any of the lawyers on the letter either. I told them that I knew nothing about this debt as it was never reported on my credit report. I refinanced my house in XXXX and the loan officer pulled my credit to show me all the debt that I was going to pay off with the refinance. All checks were mailed out by the loan company to pay the debts directly from them. All remaining money was sent to me after the debts were paid off. This debt was never reported and I never received any notifications that MCM owned the debt. I have lived in my home since 2014 which gives them more than enough time to find me and they could have reported this on my credit report to show I had a negative debt against me. It would have been paid through my refinance. I called MCM and they told me to call the courts to get any information I needed about the debt since the judgement was sent to them. MCM could not answer any of my question about the debt or why they were not reporting it, or why they did not send me a letter saying they owned the debt and were trying to collect it. For some reason, they decided to send a letter to my old job to garnish my wages. It was denied since I did not work there. Then on XX/XX/XXXX, I got an email from my payroll because they were sent a letter to garnish my wages. I immediately paid the whole debt off even though I was trying to dispute because I do not know anything about it but I did not want to get garnished. It has been close to a month, I paid the debt, and they still took a payment from my check on the XX/XX/XXXX and on the XX/XX/XXXX. I tried to call them to find out why, and they could not give me any information. They just said the process has to complete and they have no control over the process. They could not tell me how long it would take to complete, if or when I would get my over payment money back which equals XXXX. That is two payments of XXXX. My payroll department still has not been notified that the debt is paid in full and I am still at risk of losing another XXXX for the next 2 paychecks and I do not know when I will get this money back because they will not tell me. This has been a strain on my living losing out on XXXX in a span of 2 paychecks with everything that is going on and with having to pay a debt that they will not prove I owe, did not contact me when I could have worked something out with them if they proved it to me, and forcing me to pay in full in the amount of XXXX even though I feel I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XX/XX/1979 Employment : NONE There should be no other listing of misspelled names remaining. I have found XXXX differnet spellings and XXXX wrong addresses on my report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I closed on the house everything went smooth rate was good, about a year later they took my school/county tax out twice once in XXXX and again in XXXX XXXX with interest on it ) didnt realize this until I got a letter stating that my escrow account was below where it should be and that they want to either double my payments or make me pay a lump sum. I called my town - county to ask if they received my tax payment they said they received no payment in XXXX so they charged it in XXXX with interest but the mortgage company took the amount out of escrow twice with no refund. Now a year later the same thing has happened school-county has not received my taxes due 2 months ago and now will be recharging me with interest in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have hard inquiries that needs to be removed from my credit report asap. All hard inquiries will be in my ftc report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Synovus Bank
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I put {$200.00} on a First Progress card. I made 2 purchases and paid them both. Two {$35.00} charges was on my bill and I disputed both charges. I was charged 3 late charges which I was not late on any bill. I was told I would get a refund for the disputed charges and the late fees. I have talked to this company a number of times to no avail. I dont know what else to do to get my money back. I put {$200.00} on this card, was charged an annual fee and Im trying to get the rest of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: OK
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-01-28
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2023-08-05
Company: EQUIFAX, 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:
According to the IRS, when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes. 
When a creditor charges off a debt, they're required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor.

Let me be clear, the charge off on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay!

I would like to remind you that the consumer law ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow.

15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states " Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third pares. Financial institutions are required to clearly and conspicuously disclose to the consumer, in wring or in electronic form, that their personal information may be disclosed to third pares. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

It is clear that the charge off on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: M&T BANK CORPORATION
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Date XXXX XXXX Bank of America send me letter, with information than a someone, for my name- on my name made application for accredit card or loan at Bank of America. I am no longer a member/ user sincXXXX XXXX. I didn't made that application and i sure know that is a theft of my personal 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 2020-12-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday, XX/XX/XXXX, I received a text aroung XXXX XXXX  indicating that a XXXX XXXX had been paid with my checking account in the amount of {$5500.00}, to click Y to confirm or to call the number on the text. I called Wells Fargo immediately, Apparently, someone used my account number and routing number to pay their XXXX Credit Card in the amount of {$5.00}, XXXX. I have never had a XXXX card, much less made any payment to XXXX In my 20 years with Wells Fargo, it would be extremely rare for me to have {$5000.00} in my account, or ever make a payment for that amount. However, they let someone take my money. It is now the COB on XX/XX/XXXX, and I still do not have my money. They keep telling me XXXX hours, but then the next day it is XXXX hours. I have to go through more steps to identify myself to speak with them than the person who stole my money. If I go to the grocery store more than once in a day, or if I spend money out of town, they put a freeze on my account, but they let someone clean my account using only my account number and routing number which anyone can get off of a check I have written. Everyone I speak with seems as though they are reading off of a script, and I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
During the XXXX pandemic, I fell victim to identity theft. I followed all the procedures, filing identity, theft, affidavit, police reports, submit it to the collection, agencies and credit bureaus, which all have failed me and was just generated a random generic validation. Ive reached out to each individual credit report bureau that is reporting these fraudulent accounts on my name, and they have failed me yet unable to give me validation of how they were verified. Other than there was an online application, submit it and verified that is their only verification of the debt, they have failed me as a consumer to investigate and block these fraudulent charges as I requested and did all of the steps they had asked me to do. I have no more faith as a consumer in our credit reporting agencies is a report, false information, and on my part fraudulent information.. In 2021 there was an account with fair collections XXXX for a real estate company for a lease for a home. I have dispute it with them which they have failed me and also the credit bureaus XXXX being ignored from this point as Ive sent them, my identity, theft affidavit, and my police report, proving that in fact, my identity was used without my permission, and I resided in the state of Florida during the time of these fraudulent accounts. All three XXXX XXXX, Equifax and XXXX are reporting false and fraudulent information on my report which is causing me harm to my personal life, and I am unable to live my daily life financially due to the fact of these accounts being on my reports, and Im not able to move to another home because of these accounts on my name. I think you in advance for investigating the situation with the credit bureaus and exercising my rights as a consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Account XXXX Account to XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: NRA Group, LLC
State: TN
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:
The company NATIONAL RECOVERY AGENCY is a debt collection company is abusing me by reporting three of the same exact alleged accounts exposing private medical information on my consumer discloser report. I mailed NATIONAL RECOVERY AGENCY recovery agency a debt validation letter just recently in which they will be receiving via certified mail. Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I am aware that this is an abusive collection practice per 15 USC 1692e ( 10 ), 15 USC 1681s-2, 15 USC 1692e ( 14 ), and 15 USC 1692f ( 1 ). The behavior the debt collection company is using is both abusive and deceptive because NATIONAL RECOVERY AGENCY furnished 3 of the same accounts as if each amount for each of the exact same reported accounts are owed which reflects a balance of more than {$2000.00} per account. This is not only damaging to my consumer disclosure report but is also emotionally stressful because I know for a fact, I do not owe the amounts NATIONAL RECOVERY AGENCY are insinuating. I know that debt collection agencies that lie and use abusive practices to collect debt are liable to me per 15 USC 1692k Civil liability and by the FTC, Consumer Financial Protection Bureau ( CFPB ), and state governments. The FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.

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