BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: Jeffrey G. Lerman, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill that was paid by insurance company was obtained by JEFFREY LERMAN XXXX XXXX XXXX license # XXXX and he attempted to collect on a bill from XXXX XXXX that was paid by my insurance company, XXXX. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is billing fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to investigate this illegal and dishonest practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received several threatening phone calls on my phone. They were so threatening, like call in 30 minutes or you'll go to jail etc, from a collection company called Hunter Warfield , Inc., that I thought they were fake calls because this kind of talk is illegal when collecting debts.

The debt they refer to as a joint debt, is not. It is a debt from my ex wife regarding a home she lived in and I never lived in because I lived in another state and we are divorced.

Additionally, I never received any written notification regarding the debt, just random threatening phone calls about going to jail from Hunter Warfield , Inc .

This is not my debt, and their collection practices are illegal.

Also, this was placed as a collection account on my credit report. I was never informed besides threatening messages even what the debt was about. I was never informed I could dispute. And I want it off my credit report because it is not my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2017, I received a letter from AMCOL Systems dated XXXX XXXX, 2017 for an account placed in their office for {$150.00}. I immediately responded by certified mail dated XXXX XXXX, 2017, delivered XXXX XXXX,2017 XXXX XXXX requesting validation of debt as I am certain I have never done business with AMCOL Systems and also requested that all attempts to collect this alleged debt be made in writing.I did not receive a response. In XXXX 2017, I received another notice dated XXXX XXXX, 2017. The balance due on this letter indicated {$60.00}. I promptly responded via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX.In this letter I reiterated that I do not owe this company any money as I have never heard of them prior to the first letter. I requested proper debt validation under the Texas Finance Code. I received a statement of bill from XXXX XXXX XXXX for {$60.00} dated XXXX XXXX, 2017. The patient listed was NOT me. I responded again via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX advising that the documentation provided does not validate that I owe this company money. I never heard back from AMCOL Systems. On XXXX XXXX, 2017, I received an alert from my credit monitoring service that AMCOL Systems placed XXXX collection accounts on my credit file! I am not only livid that this company has failed to provide proper validation, they have violated my rights. This company has made multiple phone calls after being advised to communicate in writing. Between XXXX 2017 and XXXX 2017, this company has called me a total of 62 times. I have recorded the date and time of these calls which I will use to pursue legal action if necessary as well as copy of phone records to prove the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Beyond van lines is really XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. They claimed to be a moving company. They said the total cost of the move is split in 3 payments. The initial {$1600.00}, one when they pick stuff up and one when they drop stuff off. We scheduled out move XX/XX/XXXX. Our move is for XX/XX/XXXX. Today is XX/XX/XXXX. They called us today demanding an additional {$3000.00} and if we dont pay, we cant keep our move date. That is to be paid today by close of business and still have to pay the other two payments. They only took payments by electronic check, cash and XXXX. My bank, capital one, isnt helping. They said its between this scam company and I because theyve already cashed they check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am a XXXX XXXX who was seriously impacted by COVID 19. I was denied PPP loan because my credit has been impacted due to recent delinquency because I did have any income. Im not eligible for unemployment either. 
Other credit card companies worked with me except Honda Financial Services. I have never been late for the past three years on this loan, save for this pandemic period. 
Honda financial came to my office to repossess my car without any prior notice no letter, email nor phone call. 
I am so confused now and have no means of transportation. Please help ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Well having to pay a fee for every savings account we open. Why pay the extra money for a savings account. Allowing companies to charge ur card even tho you dont have enough funds to cover it! Charged late fees for overdrawn accounts when you shouldnt charge a count that doesnt have the enough funds to cover it.

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 2023-06-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I was denied a checking account because of negative account showing on ChexSystems. I sent a certified letter since the XXXX of 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 2017-12-15
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Greetings is purchasing an coop found out though XXXX XXXX about this debt collection agency filed a civil suit against me in year XXXX for a debt that was from XXXX XXXX. I do not recall owning a credit card from that Bank I am accuse of owning. Contact the bank with my real estate agent and they could not find anything for over a period of transfere and holds. Then after a good hour they said I had a checking account their which I had with my son but no credit card from what Im being accused of owning money on however received information they sold this account to a credit collecting agency. I called agency gave my name they said they could not find so gave social security number than they ask for my address in which I gave. I ask them how much money was I suppose to own and they said XXXX after a brief hold on the phone I told them I do not recall owning any credit card company that amount of money. Now today the XXXX of XXXX they send me a notice threatening to garnish my salary from work and having a notice issue after I said I do not own them money Now claiming XXXX dollars. Sir/Ms. I have been working on my credit report for some time and ask the credit bureau at the time and it was not on my credit report after searching for it. I pray for a quick resolution to this underhanded treatment. I am moving and this credit collecting agency has file falsely against me I truly believe I Do not own anything to this agency that file against me after they collected my personal information from me over the phone knowledge about me wanting to purchase my new home in a short time span. They are the only agency that is trying to collect money from me falsely. I pray that you review what I have written and give quick judgement for I am truly innocent on this if you can look at my credit report I have resolved with other creditors with debts I know I owe. This agency knew I would dispute because I told them I would so they went and refile again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Global Lending wrongfully repossessed my car from the tow yard after I was in a bad car accident. I was rushed to the XXXX via ambulance. On XX/XX/XXXX, I went to get our belongings out of my car only to find out GLS had it towed away unbeknownst to us on the XXXX. I've NEVER missed a payment! I never saw my car again! A month later at a repo yard called XXXX XXXX, we were told by global lending that we could pick up out things. We didnt revive anything back but {$20.00}, my tag and paperwork out of the glove box. The accident was on my birthday and I had {$200.00} in cash and a XXXX XXXX bag, with the matching sun glasses. My husband had expensive cologne in the car and other things. Basically, someone had stolen from us. We never received the belongings that were missing out of my car. GLS wouldnt tell us is why our car was towed or where for months. On XX/XX/XXXX, we received a letter that our car was a total loss from Global Lending. Which is odd because claims adjuster do that not lenders. The at fault party could never look at my car because GLS already took it before an adjuster could assess it. Global lending reported our car as a repo on me and my husbands credit on XX/XX/2022. Global Lending started adding extra fees on my account that they couldnt explain. I had to pay for a rental out of pocket because GLS told my insurance company ( XXXXXXXX XXXX  ) that my car was repoed. XXXX wouldnt cover it because of this. I want my money back for paying 4 months of car rentals out of pocket because they lied on me and we want reimbursement for our belongings that were in my car and the mental pain and suffering they caused me while I was recovering from a XXXX XXXX XXXX XXXX XXXX I cried everyday because we were being shamed and embarrassed as if we didnt pay our bills. Its a lot. I have proof with letters, emails and text messages about the whole ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I have contacted Nordstrom in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XX/XX/XXXX and we are now intoXX/XX/XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is horrible they never process any of my applications for credit I get turned down for high risk source of application which to me doesnt make sense for years its like they have me blacklisted and dont want me they dont fix this is ongoing issue their the bank I dont see why they cant fix this

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 2023-05-02
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
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:
I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX and 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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXXXX - OPENED XX/XX/2018 - {$600.00}

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 2019-06-24
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Requested Do not call on all phone numbers on account XX/XX/18, Company has continued collection attempts through phone calls, has left several voicemails. Spoke to a manager at the branch, XXXX XXXX, she initially admitted fault and apologized for the continue phone call. XXXX used the exact words " we made a mistake ''. XXXX stated she would have her manager give me a call back at the end of the day. Spoke to XXXX again, only to confirm the manager 's information that I would be expecting a call back from later, XXXX became very upset and confrontational, raised her voice, denied any fault in the situation after already admitting fault. States either you're going to pay your loan or you're not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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: Personal information incorrect

Complaint:
The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.

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 2020-07-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I Have use MoneyGram plenty of time send money to family members in XXXX. All the time they stop my payments and make me call them to verify where the funds are coming from. They profile me and they are XXXX towards XXXX. Ask where I get my money, when, how and what I do for a living. 

They are harassing me and abusing their authority with me asking all this questions very confidential and not necessary. Will get my lawyer to sue them for harassing. They take their fee all the time and not giving it back. I have sent in total of {$5600.00} of fees with MoneyGram. 

Tell them to STOP HARASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX   {$2400.00} not mine, no knowledge of accounts hippa violations

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 2021-01-29
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: Public record information inaccurate

Complaint:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

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 2020-07-14
Company: EQUIFAX, INC.
State: PA
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 XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SUNRISE CREDIT SERVICES, INC
State: PA
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:
Sunrise Credit Services with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.

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