BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Linebarger Goggan Blair & Sampson, LLP is sending me " demands for payment for delinquent civil violation ( s ) '' on behalf of Delaware Department of Transportation. The problem is that the debt was included in my XXXX XXXX bankruptcy [ XXXX XXXX. XXXX, XXXX XX/XX/XXXX ]. In fact, during my bankruptcy, the business continued to contact me demanding payment - to the extent that my attorney 's office had to reprimand the business for their illegal debt collection attempts while I was in active bankruptcy. At that point, the payment demands stopped for about a year until I just received one dated XX/XX/XXXX, again demanding payment for the discharged debt that I do not owe. 

During my bankruptcy, I notified the business several times in writing and over the phone that the debt was included in my XXXX XXXX case. I was told verbally by a representative that she notated my account with the bankruptcy information and I would not receive any more notices. I feel I'm forced to notify all relevant regulatory agencies at this point because the business is blatantly ignoring the discharge of this debt and at this point I feel their continued contacts are a source of harassment. Despite my best efforts they ignore my communication and provide no useful information. I must add that the business did not attend the meeting of the creditors, and never disputed the discharge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX/XXXX/2017 I disputed some items on my credit report. I asked all three credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all three saying it was verified.

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 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX / XXXX /   2017 I  disputed some items on my credit report. I asked all  XXXX  credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX   saying it was verified.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: SC
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 repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.

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 2020-02-07
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ProCollect , Inc, Amount : { {$660.00} } To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with ProCollect , INC and if or where I agreed to have business with you or paperwork contracted for myself & ProCollect , INC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless ProCollect , INC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.

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 2023-08-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Starting on XX/XX/2023 XXXX XXXX allowed someone to complete XXXX transactions out of my Wells Fargo Business Account. I've reported this to XXXX XXXX and Wells Fargo. When I first initiated the dispute processXXXX XXXX responded with the incorrect information. My XXXX XXXX  is set up under my email address XXXX not a phone number. When XXXX XXXX responded to my dispute they responded to me as XXXX. My XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX This has me under the suspicious that they have the wrong information about me and something happened to allow someone to take advantage of my information and make these unauthorized transactions. How can you investigate a dispute if you have the wrong person? My Sim card also was compromised and was unaware of the issue until XX/XX/2023. {$17000.00} was taken in small amounts from my Wells Fargo account. I've submitted documentation and had XXXX XXXX even reach out to Wells Fargo and XXXX XXXX  Even with the evidence provided, both parties continue to deny my claim. When I spoke with the investigators from Wells, I mentioned, the amounts aligned with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not say, I sent to wrong recipient. After talking to the executive manager at wells, he made me feel like I was a criminal attempting to lie. XXXX is alot to just walk away from. Even though XXXX XXXX is the issue, Wells Fargo is supposed to have its clients back. How can you fully investigate a issue if they have the wrong recipient?

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-11-21
Company: EQUIFAX, INC.
State: FL
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:
I sent my FTC report, XXXX  Drivers license by certified mail to XXXX, XXXX, and Equifax. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: ME
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 sent letters off on XX/XX/2023 through USPS. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: PNC Bank N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2023, after 16 years of employment, I was fired by PNC Bank. Due to this, my payments on my PNC Credit Card got behind. In XX/XX/2023, I contacted PNC regarding a Hardship Agreement on my PNC Credit Card. I was approved on the call for the Hardship Agreement. This meant that for 12 months, my APR was lowered, late fees were waived, and my payment was lowered to {$390.00} per month. I was told I needed to make the initial 3 payments for XXXX, XXXX, and XXXX before the end of each month. Soon after, I made the payment for XXXX. I continued to receive calls and emails from PNC Credit Card Collections dept. Most of the time I ignored these calls and emails, but when I did answer, I advised them that I was in the Hardship Program. I assumed it would take a month or a billing cycle to get straightened out. Throughout the month of XXXX, I received calls from PNC Credit Card Collections Department daily, usually multiple times a day. I received emails and text messages stating they were collecting a debt. I eventually received a call from the representative who worked with me to apply for the Hardship Program. I advised her I was still receiving collection calls, despite making my XXXX payment and having until the end of XXXX to make my XXXX payment. The representative stated that the payment was actually due the XXXX of the month, but that I get a grace period which is why she said the end of the month initially. I was assured that once I made my XXXX payment, I would not receive any more collection calls. I made XXXX 's {$390.00} payment. I have continued to receive collection calls from PNC throughout the month of XXXX. This time, I advised that I believed this was against the Fair Debt Collection Practices Act. I had entered into the Hardship Agreement and made my payments on time as advised, but yet I have continuously received collection calls and emails from PNC. I filed a complaint within PNC Bank 's Escalations Department. I was eventually told that in the agreement I made for the Hardship, it states collection calls will continue. How is that fair? How is that legal? I have entered into a NEW agreement with PNC when I entered into the Hardship Agreement and I have made my payments as agreed upon, yet I still get relentless calls. I made my XXXX payment on XX/XX/2023. I received a call from PNC Credit Card Collections on XX/XX/2023. I spoke to a Team Lead - XXXX XXXX, who stated that even though I have already made my XXXX payment, I will continue to receive collection calls until the end of XXXX because I am in the Hardship Program. How is this even possible? Much less, legal? I contacted the representative from PNC Escalations and told her about the continuing calls from PNC Collections and that I was making a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A continuation of my harassment by I.C. System notwithstanding my prior complaint XXXX about a purported debt I do not owe. I received an I.C. System " Account Update '' dated XX/XX/XXXX ( attached ) stating ( in apparent response to my XX/XX/XXXX complaint XXXX ) : " confirmation that I.C. System will no longer pursue collection of this account and will return it to XXXX XXXX, Powered by XXXX. '' That caused me to accept that my complaint was resolved. That was wrong. 
Just 9 days after its XX/XX/XXXX " Account Update, '' I.C. System sent another collection letter dated XX/XX/XXXX ( attached ), purporting to be an " Account Validation. '' As purported " validation, '' I.C. System sent the same bogus XXXX invoice dated XX/XX/XXXX I.C. System previously sent to me on XX/XX/XXXX ( attached ). I informed I.C. System by letter dated XX/XX/XXXX ( attached ) that I had never previously received that XXXX invoice or any other communication from XXXX because I've never had a business arrangement with XXXX. I demanded in my XX/XX/XXXX letter, as I have in my XX/XX/XXXX letter, my XX/XX/XXXX letter, my XX/XX/XXXX letter and my XX/XX/XXXX XXXX letter ( each attached ) ( a ) evidence that I ever had a business arrangement with XXXX ; ( b ) proof that the modem on the bogus XXXX invoice was XXXX XXXX ; and ( c ) evidence I ever got the bogus XXXX invoice or any other communication from XXXX. No such evidence or proof has ever been furnished. I.C. System is engaged in consumer harassment without evidence or proof that I owe anything for XXXX or hold any modem that XXXX can prove it owns. I want this harassment stopped. I.C. Systems obviously undertook no diligence to verify I owed anything to or hold any property of XXXX. Yet I.C. System has persisted in harassing me for two years. If that is not consumer abuse, what is? I.C. System needs to be legally disciplined because, based on review of consumer complaints about I.C. System to the XXXX XXXX XXXX, harassing consumers to extract money they do not owe is an all too common and legally questionable tactic.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.

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 2023-08-31
Company: Security Credit Services, LLC
State: AR
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I was checking XXXX XXXX  on my report and there was an alert that said I had a new account as of XX/XX/2023. I have not opened any new account nor would I since Im using a debt consolidating company to repair my credit. My information has been leaked by companies being cyber attacked and I have frozen my credit reports. So I am at a loss right now of why, who authorized this account. Transition is reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX I have contacted both XXXX XXXX and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with XXXX XXXX. The last communication was the following letter. 

To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$560.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I just recently checked my credit report and noticed that the account is still on it. They have been re-aging/re-opening this on my report as a new account every 2-3 years. This has been going on since at least XXXX  as I believe that was when I first noticed this account on my report. I havent even gone to the hospital which was the original collector in 15 years. They definitely have been utilizing fraudulent practices and this is effecting my credit score over 10 years later. This should have fallen off of my report in or around XXXX.but of course, they re-opened the account in XXXX AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle loan ( from Volkswagen credit ) in XXXX of XXXX. However, I still have not received the title for my vehicle. It is now nearly XX/XX/XXXX. 

I can not check any information about my loan in the Volkswagen Credit online portal because they deactivated my account once the loan was paid off ( without notifying me ). 

I have had other issues with this lender, including them not notifying me when the loan was paid off and continuing to accept auto payments after this point. I was ultimately reimbursed for these overpayments, but only after I reached out to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I am writing CFPB for the purpose of exercising financial recoveries of my investment with XXXX XXXX ( Account XXXX ). 

I have obtained the assistance of XXXX XXXX towards financial recovery in recompense amount of {$62000.00} ( XXXX ) or {$75000.00} ( XXXX ) from original investment of {$17000.00} ( as of XX/XX/XXXX ). The company guaranteed refund of {$6200.00} if I do not at least receive this return amount, certificate evidence is attached with this complaint and other historical documents to support this claim. A copy of the check from XXXX personal account is also included as an image attachment. The amounts are calculated based on balance of account + {$6900.00} using 20 % interest had the funds been invested appropriately, 9 years later with respective amounts in the aforementioned. {$62000.00} ( XXXX ) or {$75000.00} ( XXXX ), 20 % annual interest added to ending balance, over 9 years should this claim go beyond 9 years. 

We have made escalation attempts to reach XXXX XXXX XXXX and Ombudsman from SEC with little to no success. XXXX was unable to provide any assistance as to how or if we can contact XXXX. Our search proved only the disappearance or lack of any existence to XXXX. This proves they fraudulently scammed many others like me and disappeared. or created another company under another disguise and we have no recourse to recover our hard earned money. 

Respectfully, I simply request recovery of my investments and the amount I am entitled to receiving from such an investment.

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