BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail on XX/XX/2022 from a company called Cawley & Bergmann , LLC a debt collector stating they are attempting to collect a debt that I owe to XXXX XXXX, XXXX the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too XXXX XXXX infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
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:
The bank charged excess fees and did not process deposits prior to processing withdrawals. Continued charging overdrawn fees, NFS fees, while having funds available from savings account to automatically bring account to a balance that would cover the incoming debits. Then would transfer funds a day later and charge for the transfer.

Also used my personal information without my consent to market and solicit 3rd party companies to sell products

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 2018-06-12
Company: EQUIFAX, INC.
State: MO
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:
The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2018-03-08
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credit Bureau of the South called me very rude she didn't explain anything but gave me amount of two bills a water bill of a resident that I never lived I tried to explain that to her and she continued to say how do you want to pay. I told her I would not pay over the phone and she stated that okay I will tell them what you stated. She was very unprofessional to the point that I would never want to pay anything to their Bureau especially over the phone I wouldn't trust them. I never heard of them so I did a XXXX search they also had very bad reviews by other customers as well. If I owe any money that's perfectly fine but the way that you treat your customers is Despicableif I owe any money that's perfectly fine but the way that you treat your customers is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Harvard Collections, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/21 I got an XXXX Alert for my credit score, I checked it and it was a unpaid debt for {$2300.00} posted from Harvard Collection XXXX XXXX XXXX in XXXX. 
I call Harvard and told them they had the wrong person, Harvard said the debt came to them on XX/XX/21 and was due to be paid by XX/XX/21. i ask them how could they just put that on my credit score without contacting me and allowing me the opportunity to investigate and settle this debt if warranted. Harvard communicated the debt came from Illinois XXXX, I have not lived in Illinois in 30 years. I ask Harvard where did the XXXX XXXX live at they were communicating with, it was indicated XXXX XXXX XXXX XXXX XXXX, I have never lived at that address. I then called Illinois XXXX, and learned this is a debt from 27 years ago, and I communicated to them, they had the wrong person, ask again why is it I never heard of any of this until I got a credit alert, this was on my credit. Harvard Collection violated my rights to dispute / settle a claim. Harvard Action hit my credit score, very hard. I provided my address, and phone number, also requested proof of debt from Harvard and Illinois XXXX. I do not have this, I disputed with XXXX, XXXX, XXXX, this is not my debt and it was attached to my credit without any communication to this writer. Harvard Collection Agency did have my correct and current address listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. I know this because Harvard Collection verbally provided this to me after I said I have never lived at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company CONNS contacts me repeatedly every day of the week including sundays. They contact several hours in the day nonstop. The company calls from several numbers even if one day late the calls come repeatedly, text messages arrive and emails all at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXXXXXX, 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 have problem with this companies has violet my consumer right XXXX XXXX account # XXXX charge off account XXXX  account # XXXX charge off account XXXX  account # XXXX charge off accounts XXXX XXXX  account # XXXX charge off The charge off Is clearly for IRS as gross income the income no get reported consumer reported The laws 15 usc 1681 s-2 Is very clear This company violet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX I refinanced my House to pay off Debt. The mortgage was done with XXXX, ( Bankrupted XXXX ) The Closing company was with XXXX XXXX XXXX ( Bankrupt XXXX ) And the Title Insurance Company was XXXX XXXX XXXX ( Bankrupt XXXX ) Wells Fargo Home Mortgage who purchased the loan on XX/XX/XXXX and has serviced the loan until XX/XX/XXXX. I sold the House on that day and had found out that in XXXX I had paid to have outstanding debts paid for and settled to obtain this Mortgage. Satisfaction letters were never filed and were still open. I paid these debts which are shown on my Hud Statement. I  was able to obtain satisfaction letters for 2 of the 3 outstanding liens but the 3rd and largest for {$52000.00} to the House of XXXX XXXX has not been. ( Payoff Amount was {$25000.00} ) XXXX XXXX passed away in XXXX of XXXX. I am trying to find where the records of XXXX XXXX XXXX would be, who has possession of them? ( The closing company ) I need a copy of the canceled check to House of XXXX XXXX showing that it has been cashed and satisfied. More importantly if there is a Satisfaction letter in that file. My money is in Escrow and will remain there until I get this Satisfied. I was hoping that Wells Fargo would have the files and I could get a copy. I don't think they could find any of the files including my mortgage note .... Can you please help me with this matter??? I don't think that XXXX XXXX XXXX canceled checks and files would have been destroyed, but who has them????

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2021-04-15
Company: General Motors Financial Company, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried contacting GM Financial regarding an old account I had with them for a leased vehicle. I returned the car on time and they say I owe money on over milage but they never gave me a form or contract to sign stating this. I have called and tried to request this form or contract and they say they dotn have one to give me. They also refuse to close the account on my credit report which marks me late or no payment if I dont pay them over {$400.00} a month. They do not send me monthly statements and never call or email me for payment. If I owe them money for over mileage, I need a form or contract stating this and agreeing to the terms of the payment. I have asked to speak with a manager several times, and they transfer me and I stay on hold for over an hour and still no manager comes to the phone or picks up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2015-12-30
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I first rec 'd a statement from both XXXX and Hunter Warfield stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from XXXX and XXXX/XXXX/15 from Hunter Warfield ... Now they ( Hunter Warfield ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from XXXX XXXX XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX  account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called Experian. I could never get out of their automated answering service. 

I finally called XXXX XXXX. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.

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 2022-11-03
Company: EQUIFAX, INC.
State: OH
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 asked the credit company to remove and old addresses connected to my credit report and nothing has happened. I would like for this to be done immediately. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are inaccuracies in my credit report and transunion euqifax and experian refuses to dispute them any further

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 2017-01-28
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act

Company response to consumer: Closed with explanation