BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX/RESURGENT CAP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX/RESURGENT CAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 2022-10-25
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency XXXX XXXX ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 DISCOVER BANK ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXXXXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX XXXXXXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: MONEY SOURCE, INC., THE
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:
Im asking for a home ins policy declaration page for XX/XX/XXXXXXXX  to XX/XX/XXXX. 

You reported an escrow debt on my credit reports. You included a home ins policy in that debt publication. 


Prove it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I opened an account with Ace Flare not long ago and became eligible for overdraft privileges. Upon signing up for the overdraft information was sent to me by email, I spoke to a male rep over the phone and it states on my online account that I would be charged {$20.00} fee for transactions OVER {$10.00} that are in the negative. If its not paid back or brought to a positive balance within 24 hours the {$20.00} fee will be applied but if it is brought to a positive balance within that tome frame the {$20.00} fee will be waived. Mind you this overdraft feature they have definitely comes in handy when I need it! Im being charged for every transaction after my account hits a negative {$10.00} afterwards no matter if its {$0.00} a {$20.00} fee will be applied. I recently was told by a rep in their chat on their app that every transaction that is overdraft will be charged a {$20.00} overdraft fee. They give very misleading information. Every rep says something different! Not only that it is very excessive to charge their customers a {$20.00} fee for a transaction that may be less than {$10.00}. I have been charged numerous fees for {$20.00} each for transactions less than {$10.00}. Like I mentioned a male rep I spoke to over the phone said any transaction over {$10.00} would have a {$20.00} overdraft fee applied. The other rep I spoke to on chat a day or so ago is now saying every transaction will be applied a {$20.00} fee another rep says once my account is at negative {$10.00} every transaction after will be charged a {$20.00} fee no matter the amount of the transaction. These people need to get on the same page. This company also need to be reported for the excessive fee amount they charge their customers! That is Rediculous! This company needs to be fined for this! They provide misleading confusing information to their customers!

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 2023-05-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX. They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: National Credit Systems,Inc.
State: NV
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:
information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge of these two collection debts on my CREDIT REPORT. They show up as charge off and closed accounts, but I never paid any agency or even had knowledge of these accounts on my credit profile! This is a violation of my rights as a consumer and a violation of the Fair Debt Collection Practices Act! 

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 2022-03-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX ( XXXX Credit Score : XXXX Top 1 % ) Account : Citibank XXXX XXXX XXXX Credit Line : XXXX Account Status : Excellent - 4 years held, balance paid in full every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - in good standing w/ all balances paid 100 % monthly. They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. It is an error on the call center agent part and Citibank will not even provide the documentation to pursue them for the damages they have caused our Credit profile. They have fabricated an issue and have harmed us. 

We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. This big company can not harm or damage us for no cause. They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! XXXX XXXX  XXXX XXXX Email : 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 2022-03-23
Company: WELLS FARGO & COMPANY
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This consumer is a victim of XXXX WELLS FARGO XXXX XXXX  ( WFA ) ; XXXX XXXX, XXXX XXXX ( XXXX ) usual setup of unfair practices. I detected deceptive activities in connection with the extension of my credit to mislead this consumer, which invoked federal questioning. 

I executed a Cease & Desist ( CD ) certified order notice XXXX, received on XX/XX/XXXX, to executives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, informing them of my right defined under 15 USC1692c, this consumer completely, unambiguously denies & object the entirety of alleged debt per 15 USC1692c ( c ). WFA ignored & violated my certified CD order notice. I received continued harassment & obscene language on XX/XX/XXXX & XX/XX/XXXX. 

On XX/XX/XXXX WFA violated 15 USC1692c ( a ) ( 1 ) ( b ) ( c ) ; 15 USC1692e ( 4 ) ( 5 ) ( 7 ) between the unusual hours of XXXX - XXXX & disgraced this consumer in an attempted seizure ; wrongful possession they did not have express permission from a court of competent jurisdiction, by hiring a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ) to unlawfully invade on my personal Property causing a breach of peace within Gov. Military housing. 

WFA violated my right to privacy as defined by 15 USC6801 by communicating & selling to third party XXXX  for profit, my private financial & private location information without my expressed written consent, in an attempt to unlawfully seize my private property, per 18 USC1028A is considered aggravated identity theft ; Infringement of my intellectual property rights & disrespecting the privacy of this consumer. 

This consumer is not in possession of any documentary evidence as defined as 15 USC44, proof of claim under penalty of perjury & Per to Rule 1002 ; G.A.A.P ; forensic audit trail evidence that WFA loaned this consumer real money or credit ; evidence of indebtedness to prove monies left WFAs account, my right per 12 USC 5533 ( a ). WFAs has Collected extensions of this consumer 's credit by extortionate means.

WFA act as if they are unaware of the Federal law ; Federal law does not apply to them ; ignoring federal laws & their responses are avoidance from federal laws that they are bound to. 

Threatening this consumer for an alleged debt, with no proof of claim. The instruments were in violation of the federal law, specifically the Consumer Protection Act from inception. I have been discriminated against because I have in good faith exercised my Rights as defined as 12 CFR 1002.2 ( c ) ( ii ) ; 15 USC1691 ( a ) ( 3 ) & have trespassed on my Rights.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
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 asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.

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 2023-05-07
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: Information is missing that should be on the report

Complaint:
I received a letter from XXXX regarding my membership ID # XXXX and ticket # XXXX. It stated information on my Equifax credit report has been mixed with that of someone else. I would like you to make sure you have correct information on my credit reports and the identify information e.g. addresses, other identification information, and credit accounts belong to me. I provide documentation to verify identity. 

Also, I was apart of two Equifax data breaches. I have been a victim of identity theft for years and have been disputing errors on my credit report for years. My Equifax settlement should have been more than the {$43.00} that was wired to me on XX/XX/23. I believe my file was mixed up so someone else could get my true settlement money. 

15 U.S.C. 1681-1681x - make sure all information is correct as I am a victim of identity theft and have been trying to defend against dangerous individuals, scammers for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Kohls charge card that was paid in full in 2019. My bank pulled a credit report and they are not showing it as being paid. It is showing up as a " profit & loss '' which is not correct. The Kohls card was through Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical debts are not allowed to be reported with out my consent hippa law violations will sue if these debts are not removed from my account/account never belong to me

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 2023-11-22
Company: Michel Law, LLC d/b/a Level One Law
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
On XXXX I called to close my account from XXXX XXXX  or XXXX XXXX XXXX XXXX. After several weeks waiting to receive my refund, I called again on XX/XX/XXXX the customer office said that they have to do something manually, so they closed the account. In that time, they said my refund will be send directly as a transfer to my check account no by check. Again, I wait almost two weeks and nothing I called again they said that I will receive my refund of XXXX by check. I told them that is impossible because I paid almost XXXX dollars for 9 months. I requested who was the accreditors that they paid, and which was the honorary that they took. The customer officer says : " is in the contract ''. I asked for the contract again and nothing. I sent two emails with my frustration ; they said that I have to call because they can not resolve the issue through email, so I called again yesterday XX/XX/XXXX. I requested again to the customer officer which was the accreditors that they paid. The customer officer said : " the name of the company and was XXXX. So, I responded and the rest of the money? which was the amount of the honorary : the customer office said : " I don't know is in the contract that you signed '' " but I saw these 4 charges : XXXX, XXXX, XXXX, XXXX ''. 
This still unacceptable and XXXX XXXX didn't respond to me in a fair and accurate manner. 
For at least 9 months they deducted at least XXXX dollars from my account. 
Im very dissatisfied and disappointed about this service from XXXX and Im requesting the fair and accurate reimbursement from my money that I put with a lot of sacrifice.

Company response to consumer: Closed with explanation