BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CACH LLC sent me a letter today ( XX/XX/XXXX ) stating that they are going to garnish wages of mine from a bill that originated in XXXX. In the letter, which was not sent certified, I am told that XXXX XXXX from the company wants to garnish my wages for a medical bill that is nearly 13 years old. 
The letter has a date stamp of XX/XX/XXXX, yet the postmark shown on the envelope shows the letter was mailed to me on XX/XX/XXXX. 
There is no information showing what this bill is for ( although I  was in a XXXX XXXX in XX/XX/XXXX, so I can only deduce that this is what this collection is about ). All of my medical bills from the XXXX XXXX  were on my credit report for 7 years and after the seven years, the credit reports that were printed off showed that the judgement from this company had been written off. Now I am getting notice of a wage garnishment. 
I will be including copies of the information that CACH sent to me. Allegedly, the date of judgement was on XX/XX/XXXX. Since that time, the judgement does not show on any of my records. Initially there was a judgement on my record but it was removed after the statutes of limitations had expired. It had been listed as written off and was removed from my record. 
Nothing on my credit report shows a new judgement. 
You will note that the creditors claim shows that the date of the judgement was on XX/XX/XXXX ( which is not accurate if you view my personal records ) and says : Unpaid balance on judgement : {$3900.00} Unpaid post judgement interest : {$3400.00} Total amount owe3d by debtor : {$7400.00} This is rediculous. The judgement had already been written off, I am on state aid and when I found out that this judgement was written off, I didnt expect it to haunt me nearly 10 years later. 
The papers I got were not formally sent to me requesting a signature, nor have I been contacted by this company in years. I will be providing all of the information in the hopes that this will get resolved. If a company writes off a debt and a judgement is realeased and removed, there is no way that this should continue to follow me, and now they are trying to seek wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: MD
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:
Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15USC 1681 Section 602 states that I have the right to privacy.

15USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

16 U.S. Code 1681a- Definitions, rules of construction Exclusion-Except as provided in paragraph the them " consumer report '' does not include-any report containing information solely as to transactions or experience between the consumer and the person making the report.

15USC 166B : A Creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I made a transfer from my XXXX XXXX XXXX account ( XXXX ) to my XXXX checking account ending in XXXX. That transfer properly made it into the XXXX account the next business day XX/XX/XXXX. I did another transfer on XX/XX/XXXX from my XXXX to XXXX for {$630.00}. I noticed after about a week this particular transfer never showed up in the XXXX account. I made my first contact with XXXX on XX/XX/XXXX who instructed me to make a dispute for the missing transfer. I followed their guidelines and did the dispute through XXXX. Within a day the dispute was closed with XXXX stating that I would have to contact XXXX to fix the missing dispute. 

I called XXXX  that same day, uploaded my statements that showed I had more than enough funds in the account to succesfully make the transfer. XXXX  even provided me the 15 digit reference number for this transfer. They instructed me to provide this information to XXXX and I did. In the meantime, to keep our checking account with XXXX from being negative I initiated another transfer XX/XX/XXXX for {$310.00}. The same problem happened with this transfer and it never made it into the XXXX checking account. 
I contacted XXXX immediatly to open another dispute. At the time I was not sure what the proper protocol was so I was in contact with both Banks. I provided XXXX with the 15 reference number for this transfer. 

Within a few days XX/XX/XXXX. XXXX had refunded me those two missing transfers after I uploaded supporting documentation and statements highligting the missing transfers, dates and how they never appeared in the XXXX account. On XX/XX/XXXX and XX/XX/XXXX XXXX penalized the account for the two amounts I had disputed ( {$630.00} and {$310.00} ) they took these amounts out of our XXXX checking account without any reason. This in turn put the account in the negative.XXXX  claims XXXX needs to fix this issue however XXXX  has honored there role and reimbursed my XXXX  for the two missing transfers, a representitive claims that since XXXX 's system penalized our account for those 2 amounts then XXXX would need to honor their mistake and correct it. 

I have been fighting with them to fix this but they keep saying I am liable even though I have supporting documentation to highlight their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
please remove the XXXX XXXXXXXX account because it wrong 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.

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 2023-02-13
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX they contacted me but before that they contacted my parents on XX/XX/XXXX. The company is Williams Rush & Associates LLC and they claim to have a debt I need to settle that is XXXX dollars. However I asked for the proof of debt via the phone call we had and they sent a document that had been modified to be XXXX. It was even in different writing and was a marker instead of a pen which is what I used to write on it. I immediately emailed back that this was not the original that I signed and it was a fraudulent document. Whoever that signed it after me I'm sure is the one who crossed it out to be a higher amount. I then told them after another phone call on the XXXX that I do not owe this debt because it is modified without my consent or awareness until it was sent to me. They then dinged my credit the next day XX/XX/XXXX and they put an amount on my report stating it was now XXXX dollars which is confusing since even the modified contract they have to show says it's XXXX percent interest and I left XXXX XXXX in XXXX so how did it get to that amount? They are ruining me for something that is not mine and it is hurting me mentally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Sterling Infosystems Inc.
State: FL
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: Old information reappears or never goes away

Complaint:
I have two reports that were completed : one on on XX/XX/2022 and one on XX/XX/2022. After many phone calls and follow ups, the report completed on XX/XX/XXXX came back clear after 42 days. There is information in the second report that was not included in the initial report and goes a lot further than the 7 or 10 year history. It actually goes back 16 years which has never happened before when applying for a job. The report on XX/XX/XXXX is reporting old information, and that is what I am disputing. Even in the report itself it states 7 year history.

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: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had purchased a phone from sprint before the merger back a few years ago upon not wanting the phone I shipped XXXX back the phone. I have the shipping label for their tracking and they changed the amount owed on my account and put it in collections. It has ten been sold to two companies and I.C Systems , INC has the collection account now. I explained this to them and they could not provide me the contract that XXXX stated I signed to show that I was fully enrolled. The account only shows on my XXXX and if possible I would like this removed without payment because I sent back the phone that they charged me {$830.00} for in the past.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme stress and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my report.

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 2018-09-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto title loan with XXXX and I get plethora of robo calls from them with a message that starts with Good day. Several unsuccessful attempts to contact you have been made ... I have asked the company multiple times to take me off their robo call list. The number changes from time to time as well so as to make it difficult to screen or block the call. I get these calls about 20 times a week. Also, their lending practices are very unfair so I would not recommend ever using them. After nearly a year of payments on a {$2600.00} loan, I currently owe over {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is the result of disenrollment from XXXX on XXXX XXXX. Under 28 USC 2815, XXXX has six years to initiate action to collect this debt. I was not notified of this debt until after XX/XX/XXXX. I have disputed the veracity of this debt since being notified. Since this debt was initially accrued ; I have gotten married, purchased two homes, two cars, and had XXXX children. This debt showed up on my credit report at some point in XXXX and was removed in XXXX. I was under the assumption that my unanswered protests related to the time-barred nature of this debt were heard. It is now back on my credit report as a collections account. XXXX has now sent this debt to Treasury who has forward it to a collections agency for servicing. I have been placed into the Treasury Offset program. I am requesting that this issue be finally resolved. That the debt be expunged due to its time-barred nature and that I be renumerated for the monies taken from me via the Treasury Offset .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
it is showing on XXXX report that I have a derogatory account with is not mine, That information was opened on XX/XX/XXXX, I did not even had a credit history in that time, not even a social security nor a ITIN number, this information is fraudulent and I already call to the bank to check the information, now its remarked again. 
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 

Updated : XX/XX/XXXX Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE BANK OF AMERICA COLLECTION/CHARGEOFF Credit Cards {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Account Details Account Type Secured credit card Responsibility Individual Credit Limit {$300.00} Credit Used 0 % Available Credit {$300.00} Highest Balance {$400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX Remarks Payment after charge off/collection. Settled - less than full balance.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in XXXX and Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}

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 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MA
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:
Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme XXXX  and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my credit report.

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 2019-06-01
Company: Experian Information Solutions 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:
This account is fraudulent XXXX XXXX XXXX {$820.00}

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 2022-12-03
Company: EQUIFAX, INC.
State: MD
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 sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX # XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was online shopping fir a puppy for my daughter when I came across this company called XXXX XXXX  that sells puppies I did the research on the company check the reviews everything seemed to be good. I reached out to the via email, someone called me we discussed the puppy type, and pricing. We also communicated via txt. I choose to get my daughter the standard yorkie which was {$850.00} plus {$100.00} travel fee for a lap Buddy someone to travel with the puppy. I sent the payment of {$950.00} via XXXX after they sent me a contract via e-mail never to receive the puppy reached out to them they kept saying puppy was in route. I called my bank but the couldnt stop payment because it was a XXXX transaction

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