BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I received XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX. ) XXXX was botched badly. I am constantly in Hospital with XXXX 's, XXXX 's, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
For almost 2 years I was not aware that XXXX XXXX took out a loan with XXXX XXXX for an amount I think I found out with last mediation from XXXX of XXXX dollars. 
I was under the assumption pmts was to be made to XXXX. As per the agreement. I found out in XXXX that this was not the case. I told XXXX XXXX XXXX XXXX, that last time in mediation, but now they are going after my only one car and stated that they would lean it. if i don't pay. I HAD NO KNOLEDGE OF THAT LOAN!!! I DID NOT GIVE PERMISSION FOR THAT LOAN. I HAVE TRIED TO RECTEFY BY MAKING SMALL PMTS SINCE THEY ARE RUINING MY CREDIT!! I tried taking XXXX to court to have the credit charges reversed to XXXX XXXX, but got entered a default judgement, since I was in Hospital and Defendant Attorney gave me a wrong court date. But now XXXX XXXX wants close to XXXX. And I am having severe medical complications due to negligent of XXXX XXXX and XXXX Again.. I thought I had a loan with XXXX. I did not give permission for any other credit Also this is my only car ... ..I had my last one for 10 years with XXXX before I bought another ... Request that car will not be liend. I request that XXXX returns the money charged to that creditor for whatever amount it was ( I do not know, since I never saw the amount. ). And removes those entries from court records and my credit. 
XXXX XXXX Yes I gladly give my name to ensure that others can learn from my experience and be more vigilant. I was a victim of greed. I was not aware that credit was taken out on my behalf. I still do not have a copy of that paperwork I signed.. imagen that... 
Again.. please help.. I have tried every avenue between the more than XXXX XXXX and endless hospital stays. Request that XXXX XXXX  gets refunded by XXXX XXXX, and XXXX XXXX in XXXX XXXX, for my botched XXXX that has cost me my health and my life. 
According to Regulation Z, I am protected since I did not give permission for that loan to take place. As I have stated many times to the Attorneys at XXXX & XXXX XXXX FROM XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I wrote a letter to them dated XX/XX/2020 and informed them that the debt was invalid and that I had paid XXXX XXXX in full. Their letter had XXXX XXXX on it so I assumed it was sent in error. They proceeded to continue sending letters and even tried to take a payment from my daughter who is a minor. It was my daughters ER visit that they wanted to collect the copay for. I continue to receive letters from them regarding this debt that was paid directly to the hospital. They are sending letters with interest due on them after I told them I wanted to deal with the hospital directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a Principal Payment on my Mortgage in the amount of {$8000.00}. 

Mid America Mortgage only applied {$7000.00} to my principle payment and will not communicate and is giving me the run around on where is the missing {$990.00} that should have been applied to my mortgage. 

On XX/XX/XXXX I sent an email ( see attached ) inquiring where is my missing principle payment. I received the following reply by Mid America Mortgage " We have opened a request with our cash department to have the funds reapplied correctly, this should be completed in the next 3 business days. '' On XX/XX/XXXX I sent another email on the status of my request to apply the missing {$990.00} to my loan ( See Attached ). I received the following reply by Mid America Mortgage : " Our records indicate the funds of {$990.00} was applied to unapplied funds. We have opened a request to have those funds applied to your principal. We apologies for the inconvenience of this misapplied payment. '' On XX/XX/XXXX I sent another request to have my principle payment in the amount of {$990.00} applied to my mortgage ( see attached ). I received this response from Mid America Mortgage : " Thank you for your inquiry regarding your loan. Due to the status of the account please contact our Bankruptcy department at XXXX. '' I called the Bankruptcy department and they informed me I had to call customer service. I called the Customer service department and they said they could do nothing and I had to call the Bankruptcy department! 

I was promised this error would be fixed in two prior responses by mid America mortgage. They have not fixed the issue and now refer me to another department that refers me back to the customer service unit! I am in a circle of hand offs with no one that will fix a problem that Mid America Mortgage created. I am getting the run around and in the meantime {$990.00} is missing as a principle payment to my Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: GA
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:
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 more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX  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 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 88 times in the last 120 days. 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 they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: MI
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 without 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 XX/XX/XXXXn cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX XXXX XXXX XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX, FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-02-04
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive received a letter from XXXX notifying me about my {$180.00} due balance, set up an arrangement online and start paying to the actual site and they have still hit my credit report saying I owe a balance of {$180.00}. I am asking for this collection to be paid and removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collections account is completely erroneous. I paid off the XXXX account in question years ago ( XXXX ) when I switched to XXXX XXXX XXXX and they continued to charge me monthly after I had already closed the account. I contacted XXXX and paid the entire balance and was complete on closing this account prior to switching to XXXX XXXX XXXX. After the switch, XXXX made an error and continued to charge me monthly for service when I had already successfully closed the account and paid all balances. Another collection agency related to this erroneous debt tried to maintain a collections account in the amount of {$820.00} ; however, XXXX XXXX XXXX was deleted from my credit report because it was found to be erroneous on XX/XX/XXXX. Now, IC System INC is reporting that I owe a balance of {$820.00} which is false because XXXX  and XXXX XXXX XXXX have reported that I do not owe any debts. I do not owe anything to XXXX or I.C. System, INC and this needs to be removed from my credit report immediately.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My banking/checking account with Bank of America was compromised. I received several new debit cards after the others were closed, somehow they, too were compromised. I asked Bank of America if it could be a specific vendor I was using, possibly they were obtaining my information. The claims totaled to nearly {$5500.00} over the course of about XXXX weeks. Bank of America denied my initial claims, I had them reopen the claims and explained to them that I was out of the country during a portion of the time when the charges were made. The charges were all foreign transactions, with untraceable web addresses, Bank of America said they denied the initial claims because it did n't seem " suspicious '' enough. That is literally what they told me. They said if it was a true act of fraud, the thieves would have made larger transactions instead of back to back, repetitive, same or similar amounts, less than {$50.00}, over an over. I do not understand how they can justify their reading on that. They asked me to send them information proving I was out of the country, on a cruise, which I promptly did. They postponed the " resolution '' of my claims XXXX different times. The whole process has taken over a month and a half to come to them denying the second round of claims. They told me after the initial denial that it seemed suspicious that the thieves were able to get my new debit card numbers from the temporary card and the second permanent card. Well of course it 's suspicious. The whole thing is suspicious, that 's why I reported it in the first place. I explained to them that I initially thought that the foreign transactions had something to do with the cruise line having my card & perhaps they were " charging as I went '' on the vacation, that was n't the case, the charges had nothing to do with the cruise line. This whole situation has been extremely stressful, as the amount is quite large, it 's irritating to me that Bank of America seems to not really care whether or not the money is credited or not. I thought that there were laws and Acts in place to protect consumers from things like this. Situations like this is why people do n't trust banks. I just need some advice or assistance in getting my money back, I 'm to the point now where I 'd almost accept even a portion of what was stolen, I just need some sort of resolution. ASAP. Thanks

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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