BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Imperial Recovery Consultants, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/21 i received a voicemail from XXXX. The message states that they are calling in regards to a case attached to my name and social security number that is currently pending to be filed against me in my local jurisdiction. The message went on to say they will be stopping by my home or my place of employment to deliver my legal documents. The message then states that they request I call them to confirm my address and if I fail to do so, they will take a default action against my social security number and requests I call XXXX. They did not identify as a debt collector in the voicemail nor did they identify their company name. This is a violation of the FDCPA. They threatened legal action against me. This is a violation of the FDCPA. I have never received a written notification of this debt in the form of a validation letter. Filing a lawsuit without first validating a debt is a violation of the FDCPA. On XX/XX/21 I received another voicemail from XXXX from the same outfit. The voicemail states they are contacting me regarding an attempt to serve me at my residence but there was nobody there to sign for the papers, however my significant other was home and there was no attempt. They requested a call back at the same number XXXX. I called the number back and spoke to a gentleman. I asked the name of the company and he identified as Imperial Recovery Consultants. I asked where they are located and he said they are licensed in 38 states but their headquartered in Pennsylvania. However with a quick XXXX, this agency is in XXXX, FL. They are falsely representing themselves. I asked why they are calling me and what the debt is, he refused to answer, he did not read the mini-miranda, and ultimately hung up on me. Additionally I can not locate an actual office in the state of Washington and to collect and call into the state of Washington, I believe that specific person must be in the state of Washington or within 100 miles of an office within the state of Washington. I called again and gave them my phone number and they said they were looking for someone totally different and they would update their files. Regardless, their tactics were abhorrent, deceptive, misleading, and unlawful. There are state and federal violations all over the place with these people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charge thousands of dollars online from A website.. It clearly was fraud.. Most claims was filed separately ( more than 1 claim number ), but the bigger one was denied.. How did all my claims get resolved and refunded but the bigger one, when it all came from the same merchant?

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 2023-02-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXX  XXXX Balance Owed : {$52000.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7100.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 MULTIPLE Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Harpeth Financial Services, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX Advance Financial. First I admit I have a debt. Second They take cards used to make one time payments that have never been in there app and load into there auto collection system and attempt to empty bank account attached to it. They HAVE stolen funds from accounts not attached to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went to Chase bank to deposit a check on the XXXX of XX/XX/2022. The check was verified on XX/XX/2022. The check cleared in my account. The bank decided to close my account. Now they will not release my funds to me. They refuse to send the funds back to the issuing bank where the check came from. I have spoken to multiple people at chase customer service and in person at the actual branch. I have been told by multiple people that the check was verified and cleared. I have also spoke with the company that sent the check to me in the first place and they have also told me Chase Bank verified my check on XX/XX/XXXX through their website and cashed the check on XX/XX/XXXX. The customer service reps have been very unhelpful and rude. They refuse to give me an email to corporate or a phone number. Chase Bank is also refusing to call the company who sent the check. Chase customer service has told me plenty of times they do not have to release my funds to me or the company the funds came from. They have also informed me that they will keep my funds as long as they can! I have all the proof and documents I need to prove they will not release the funds to me. I also have proof the check has been verified, cashed and cleared by chase bank. I was able to use {$13.00} on my account when the check cleared and as soon as I tried using my card again they closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an account with web bank years ago and I became ill no longer able to work so I couldn't pay my account.Then months later I started receiving information from a portfolio recovery stated they purchased my old account this was in XXXX and it's showing in my credit report this account is open but but web bank been closed the account of a balance of {$470.00} and portfolio recovery purchased it to make money off the old account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
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. 
Account name : XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been receiving bills from a card that I closed in 2020. When I call the company they tell me the account is closed and I should through the bill out. Every month I get a new bill with a late fee and interest. the bill keeps going up each month. Ive tried calling and writing letters and I can not get the problem solved they ignore my letters and keep sending new invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was frauded into depositing a check and then reversing the funds, the check never cleared and as a result I wound up transferring over $ XXXX of my own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Convergent Outsourcing Inc XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. Convergent placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by XXXX XXXX  about the same {$1200.00} fraudulent XXXX account. It appears the Convergent resold my debt after they received proof that it was fraudulent.

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 2023-06-02
Company: DFC Global Corp.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have been notified via email with XXXX XXXX that there's a hard inquiry that will disappear in two years time frame. When I signed in and verified what this information is about. I have found Money Mart? in XXXX of 2021 was done somewhere in PA? I have never been wherever XXXX is? I'm in XXXX. XX/XX/2021 is during covid restrictions. I have not and never been to P.A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have tried to call most recent XX/XX/XXXX and was waiting for XXXX mins so I have chatted twice now. Most recent today XX/XX/XXXX and was told they cant settle my debt as there are no account managers in the U.S. and that they were having a hard time finding my debt and I would have to call a different number. 

Ive gotten an insane amount of mail but there is no one in the U.S that can settle my debt per the two people I chatted online with stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but the name on my account is still wrong. They sent me out a card the card name is still wrong. Its been nothing but a hassle and a headache dealing with these people. They cant route to resolve a simple issue. I cant receive or pay any bills because the name on my card is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX BANK

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 2018-03-13
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, This letter is in reference to UNIVERSAL RECOVERY CORPO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$88.00}. 
Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 
In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation