BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I Received a call from Western Merchantile in XXXX XXXX Oregon 2 1/2 months ago. 
Talked to a XXXX who informed me that I had a medical bill from 15-17 years ago. 
I told her that was very odd considering how old it was and how we just paid off all of our medical bills with XXXX. I told her when we did we specifically asked them if there were anymore bills with them. They informed us we were clear! 
When XXXX called about this bill, I informed her, in the 15-17 years, this is the very first time I have ever made aware of this medical bill! 
I do not have a clue what it was for, nothing. 
She wanted to collect . I told her I was going through a divorce and work was slow I wasnt working. I had nothing!!! 
I told her the monies I had, I have a XXXX year old daughter that I have custody that I have to think about & keep a roof over her head. 
XXXX then informed me she would call me back in 3 months to see where I was at and arrange a payment plan. 
I went to use my debit card on XX/XX/19 at a grocery store having {$1300.00} in my checking account. My card was denied do to insufficient funds. I had another card from an account that had a bit of $ left in it that was the joint account from when I was married. I used it and it too was denied due too insufficient funds.. 
I looked at my bank account and it said western merchantile {$1100.00}. 
I contacted my bank first thing XX/XX/19 and they had informed me that western merch. Had garnished my account. 
This has come to surprise to me as I had not received 1 phone call nor did I receive 1 letter in the mail. 
XXXX did not call me To set up any payment plan like she agreed. 
I had written checks to pay my rent, my power bill. Those checks obviously are no good now due to her taking my money from my checking account without notice. I have been penalized for the checks by my bank. I have also been charged {$120.00} in garnishment fees by my bank, leaving me with a negative balance and no monies to pay for my daughters medications! 
I want something done about this as it was crooked the way Weatern Merchantile went about this!!!! 
I know NOTHING about this medical bill!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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 2021-01-07
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
KIMBALL TIREY ST. JOHN has reported an erroneous collection to my credit report ... Supposedly collecting for XX/XX/XXXXXX/XX/XXXX I have requested validation of this debt on XX/XX/XXXX via certified mail, but did not get a response back from them until after end of XXXX .... In their attempt to validate this debt they provided ledger ( hand written XXXX from XX/XX/XXXX but NO signed contract or proof of previous notice of collection at all ... I contacted XX/XX/XXXXoriginal creditor who could not even find this account and with my findings I responded to Kimball Tirey St John with no avail from them .... they are still reporting this erroneous collection on my credit report and have been reporting it since XX/XX/2018 however docs they provided shows they did NOT purchase this collection until XX/XX/2018 ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
A written request was sent to all 3 credit reporting agencies requesting both my credit file and credit report. Neither company has responded and are violating my consumer rights by withholding my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: U.S. BANCORP
State: TN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased {$500.00} US Bank Visa Gift Card at my local XXXX store on XX/XX/23. Card declined upon the first attempted use. Called the toll-free number on the back of the card. The rep advised me to go on to their website and choose " my card not working tab '' and send them a picture of both sides of the gift card along with a picture of my drivers license. I complete that information and submitted. The card was never unlocked, I called back after 2 days had passed and let them know that I was still not able to use my card. They advised me to then fax a picture of the front and the back of the card along with a picture of my drivers license. I told the rep that I did not have access to a fax machine but they did have any answers for me. I am in possession of the card, the packaging and the original receipt so I am not sure what the problem may be but I can not get access to my money. Tonight XX/XX/23 I tried calling their toll free number at XXXX and could not get anyone to answer. Their website XXXX is not functioning either.

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 2021-01-03
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is not a duplicate. The is the 7th and final complaint. None of the information was ever provided to me as stated previously, and after the last complaint it was supposed to be mailed again. I received a letter that stated an error did occur, but the amount of the dispute and the amount of the credit on the paperwork do not match at all. I will attach that. And also if you will look back into these complaints you will see that the dates do not match with the " evidence '. Prime example is that on the complaint dated for XX/XX/XXXX you will notice in the notes that the representative stated that the documentation was received from the company validating the charges on XX/XX/XXXX, however by that date they had already reversed the temporary credit that was on my account. So why was the credit reversed before any information was obtained to deny it? I am sending this to the Oklahoma Attorney Generals office for further assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: FIRST ADVANTAGE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
1 ) My legal name is XXXX XXXX XXXX There are other XXXX XXXX ' XXXX XXXX to whom the criminal  records must belong 2 ) The criminal records are being 'red-flagged ' to my employer as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: PA
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 have taken the time to inform each company that I did not provide anyone my consent to open these accounts and for sure not report them on my personal reports.it has been over 90 days since I asked for these unverified items to be deleted. Personally this is causing hardship and my rights are being violated to the fullest and being ignored is not ok! Please delete these items now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX Credit Card which is administered by Comenity Capital Bank for its fraudulent practices and predatory late fee charges. 

On my XX/XX/XXXX statement ( Exhibition XXXX ), I was charged {$25.00} late fee for an amount of {$650.00} due on XX/XX/XXXX in accordance with the XX/XX/XXXX statement ( Exhibition XXXX ), however, for being received on XX/XX/XXXX. This is the first time I have ever been charged with a late fee since Comenity Capital Bank took over in XX/XX/XXXX. As you can see in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ), I paid off the full amount on the XXXX day of the previous month which always arrived before or on the XXXX day of the due month for this credit card. There was never an issue of lateness before for this or other credit card, however, my XXXX payment mysteriously arrived XXXX  days later. I contacted the Customer Service by dialing XXXX to ask for the {$25.00} back on XX/XX/XXXX but in vain. 

The Comenity Capital Banks fraudulent practices is hair raising, to say the least. As shown in the XX/XX/XXXX statement ( Exhibition XXXX ), I was asked to pay {$1300.00} due on XX/XX/XXXX in a separate e-mail ( Exhibition XXXX ) sent out on XX/XX/XXXX. Without realizing I had already paid the bill, I paid the amount again on XX/XX/XXXX which can be seen in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ). As you can see in the XX/XX/XXXX statement ( Exhibition XXXX ), Comenity Capital Bank now owes me {$130.00} for the bill due in XX/XX/XXXX. I hope this kind of very damaging fraudulent practice can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
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: Public record information inaccurate

Complaint:
in XXXX my XXXX account was breached, when all passwords were published on the web. this gave a hacker  access to all of my accounts which had the same password. someone used my info to open multiple accounts, rent an apartment, take payday loans, and many things. end result, they tried to file a bk with my name spelled wrong, wrong address, and it was dismissed due to not being able to authenticate identity and no follow up. this has been on my trans union report since XXXX and has kept me from being able to buy a house or obtain credit. XXXX XXXX was the trustee  at the BK court I have reached out to US Trustees office, trans union, BK XXXX, XXXX XXXX, all to no avail. I have the police report, notarized affadavit of fraud, proof of real identity, and no one responds. I just inherited a house and need to refi and can not although my credit is perfect this " dismissed/ invalid '' BK  on my trans union report only ( not on XXXX or XXXX ) is keeping me from doing so. 

The case number is XXXX listed under XXXX XXXX my name is 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 explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I just reviewed again my Equifax credit report and found that they are still reporting inaccurate and incomplete information for XXXX XXXX # XXXX and XXXX XXXX # XXXX accounts. On the XXXX XXXX account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete and missing large areas of data, there is No High Credit Limit, No Credit Limit, No Designation for Owner, No Actual Payment Amount, No Scheduled Payment Amount, an Incorrect Delinquency First Reported and No Close Date. All of these inaccuracies and incomplete information are FCRA Violations with monetary penalties! On the XXXX Bank account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete, there is No Account Balance, No Amount Past Due, No Actual Payment Amount, No Delinquency First Reported Date, No Charge Off Amount, and No Close Date. All of these absences are FCRA Violations and a clear violation of my FCRA rights. I have downloaded and attached my most current Equifax Credit Report ( XX/XX/2023 ) with all these FCRA Violations highlighted and circled. They will be used at civil court as evidence if my consumer protection attorneys move forward with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2023-11-04
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. As of this date, the Agency fail to show proof the debt is valid. 

XXXX responded stating that they have previously investigated and verified this account. I sent them a direct request so I believe they are attempting to stall or ignore my right to request verification and have this incorrect information removed. 
I demand that they initiate an investigation as is my right under the FCRA, or send proof that they have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES OR COMPUTER GENERATED RESPONSES. 
Please delete these accounts expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was froze with $ XXXX without no explanation

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 2021-03-30
Company: Consumer Adjustment Company Incorporated
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:
To whom it may concern : I recently quested from the collection agency and credit reporting agencies, to remove this collection off my credit report. I have wrote numerous letters asking for verification of this account and still I have not received it. I really need your help with this situation. I have asked them to send me documents bearing my signature and they have don't done so. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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 am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX, OH ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022

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