BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a dispute/validation letter to XXXX collection, which is included in the attachments, certified mail. They received the letter XXXX XXXX XXXX. I received a notice roughly 2 weeks prior to the court date on the paper saying that fox collection would be carrying me to court. I contacted the company and spoke with the attorney, he said he was, in the legal department. I told him I was disputing the debt but was trying to explain to me that pretty much i do not have a dispute and still responsible for the debt. After sending my dispute/validation letter to fox collection center they sent me a letter in response to my dispute, also in attachments, that was not a real response letter to my dispute. They did not properly respond or send anything I requested from the company which is in the letter attached. They trying to put a judgement on me for some thing I do not feel I owe and I do not feel is right and also the amount. They pushed my court date out to XXXX XXXX XXXX. I am trying to get this matter resolved before then. I do not want to be stuck paying something I do not feel I owe. The name of collection agency is fox collection center, their address is XXXX. box XXXX goodlettsville tn XXXX. Their contact number is XXXX. Please help and assist in getting this matter resolved in a timely manner due to the company not properly handling my dispute or validation of debt. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I called and asked XXXX XXXX to please transfer and disconnect service from XXXX apartment XXXX building to the a new apartment XXXX as of XXXX XXXX XXXX. XXXX transferred as requested but did not terminate the service for apartment XXXX. XXXX assigned me with a new account number without letting me know that when you transfer apartments you will be given a new account number. I was receiving XXXX bills for XXXX for the old apartment and the new apartment. I continued to pay the old bill online and not the new bill. I received a disconnect notice end of XXXX. I spoke with XXXX in XXXX XXXX XXXX and was told that it was there fault that they did not properly disconnect the old service. I made an overpayment over {$230.00} to the old bill and that they will discontinue service at the old apartment and credit the new account. They stated they were very sorry for the miscommunication. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, XXXX on XXXX XXXX, XXXX stating I owed on the old account {$90.00}. I immediately contacted XXXX on XXXX XXXX, XXXX and spoke with XXXX. He said yes that they did not clear the bill and it was there mistake and he would get that handled. XXXX gave me his number at XXXX and stated to call tomorrow to confirm it had been taken care of. I called XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX immediately and spoke with XXXX and she stated she will note the account. On XXXX/XXXX/XXXX at XXXX another debt collector - XXXX stating that I owed {$90.00} to XXXX and that how would I like to handle the debt. I never received a bill from the new debt collector and only received a call. I said I have spoken to people many times to get this cleared up. The debt collector got nasty with me and stated this is the first time I got this account and I said well it is illegal to collect on a debt that is false and I have handled this. XXXX continued to raise her voice and yell at me. I said do not contact me again and I will contact CFPB for illegally collecting on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Receivable Management Group, Inc. (GA)
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Receivable Management Group located in XXXX GA has placed a negative and possibly false derogatory mark on my credit report in the amount of {$150.00}. I have tried COUNTLESS times to get a hold of the company with zero response from them. I have no idea where this came from much less what its for. I have not received a letter in the mail, an email or even a phone call from this company attempting to let me know about this " debt '' I owe. At this point, i am stuck. I have filed a claim with the XXXX  as well in regards to this issue. 

The website they have has so many negative reviews i am not sure how they are a business. I will link the website to the agency below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly hope this is enough information with my case. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
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  still contains fraudulent addresses and fraudulent information on my XXXX   file. XXXX  was notified well over a year ago that I was a victim of identity theft. My ID was stolen, my wallet was stolen and I am a victim someone has used my identity without my permission to fraudulently apply for checking and savings accounts. These inquiries XXXX  has listed are fraudulent. XXXX  won't send me an updated copy of report knowing this is fraudulent. They are damaging my XXXX score because of the fraudulent information being reported. They have fraudulent addresses from XXXX and XXXX on there as well as from XXXX which i have never lived at. I live in XXXX and have for the past two years. I am providing a copy of my identity theft report below. I am requesting that the Fraudulent Inquiries be blocked immediately per my consumer right as I have already filed these with the police department. I am providing you with an affidavit. Please update my XXXX file to block the numerous duplicate applications you are allowing on my file causing inquiries. These include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, - Which was already notified of the fraud and blocked it. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The fraudulent addresses are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. XXXX XXXX XXXX XXXX, tx XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. As well as XXXX XXXX Fraudulent inquiry. XXXX is fraudulent as well as XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Through First National Banks own XXXX Banking XXXX, I initiated a transfer for the balance in my checking account to another financial institution. First National Bank tacked on a XXXX cent fee. This fee was either not disclosed or disclosed in a manor that was not easily seen. 

The result of this fee being added on First National Bank caused an overdraft of XXXX cents in my account. Then they charged me an overdraft fee of {$37.00}. That's an astronomical fee of 1,355 % My issues are : 1. The transfer was processed through First National Bank and when I processed the transfer it should not have allowed me to do so since I would not have had enough money to make the transfer. 
2. Being charged an overdraft fee caused by a bank fee seems way out of bounds. 

I tried to get a refund from the bank but they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: ClearOne Advantage, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/2014, I entrusted this company called Clear One Advantage/XXXX   XXXX XXXX to help me consolidate payments to five creditors. I should have known something was wrong when I received paperwork with another company 's name on it. The rep insured me that their team was working with them to be able to make lower payments. I was instructed by the rep to NEVER answer the creditors phone calls to explain anything because the person calling probably would not know Clear One Advantage was working behind the scenes with the company.

My credit score was a nice XXXX and NONE of my payments were late. In fact, I had a perfect payment history with all of them. I fell on hard times and wanted to be proactive about making sure my credit score stayed intact. Clear One was receiving payments from me. 

Several months went by with me being reassured things were being taken care of ... and then I found out NOTHING was happening because this fraudulent company was WAITING for my debts to go into delinquency so they could come save the day. All the payments I sent them were just sitting, nothing going to the creditors. By the time I realized what was happening to me, it was already too late. My debts were going into charge-off status and there was nothing I could do. 

My great credit plummeted 200+ points. I suffered XXXX  and hopelessness. What did I do wrong? I had researched this company, saw good reviews, researched more - I did everything I knew to do. 
Finally, I confronted this company some months later and I was told conveniently the rep assigned to me abruptly resigned. No one helped me. They left me to rot and be among those who are subprime targets. All the years of perfect credit down the tubes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 non-monetary relief
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: AL
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:
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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 am a victim of identity theft. XXXX XXXX has fraudulent accounts on my credit profile that needs to be remove immediately.

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 2021-06-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after 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 2021-06-26
Company: EQUIFAX, 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 XX/XX/XXXX i filed an ftc report with inquirys that were unauthorized due to identity theft. EQUIFAX has not complied and removed the following inquirys from my credit report 1. XXXX - Card Service Inquiry from XX/XX/XXXX 2.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 3.XXXX Financial Inquiry from XXXX XXXX, XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: NC
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:
This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX  account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME '' account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is an amendment to the complaint I filed against this company on XX/XX/XXXX. Complaint Number XXXX. I now have concrete evidence that this company does not care about rules or regulations and is simply out to get me. 

According to your own website, the complaint was sent to lending club on XX/XX/XXXX. I have already described in my complaint how I was the victim of identity theft, and I have filed a notarized affidavit and police report and submitted it to them. I did so in XXXX, and I submitted it to the collection agency they had originally sold this debt to in XXXX of 2017 as well as through the complaint I filed on your website which was submitted to them on the XXXX of XXXX. Well I just received a call from a new collection agency on XX/XX/XXXX called XXXX XXXX attempting to collect this same debt. 

After I received this call I immediately called my representative who is assisting me with all of this. I asked him to call the collection agency to figure out what was going on. He not only called, but the call was recorded as well and he gave me a copy of it. It seems that the representative he was speaking with said the account for Lending Club had been assigned to her office on XX/XX/XXXX. that was 7 days after I submitted my complaint to you and you forwarded the complaint to them! As of today, I see they still have not responded to the complaint, have not spoken with me, have not sent me any notices regarding this case, but yet they still have the gall to submit this account to another collection agency while this complaint is active? This is proof of exactly how they have been treating me for these last 8 months regarding this account. They don't care that this is fraud. They don't care that this account does not belong to me or that I never signed. They don't even care that they are breaking multiple collection laws or that you have been submitted a complaint against them with serious allegations. They continue to just try to collect this account without ever responding to any of the paperwork That has been submitted to them over and over. 

I know I am just one person, but I hope this complaint is enough to get you to act against Lending Club. They are being willfully negligent and careless and I am suffering the consequences for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have sent documents over numerous times that have required updating or new documents. We have saved money the sum of {$10000.00} to help reduce the amount we owe. We are very capable of making the payments on our house but the attorney fees and all the fees that have been added on have skyrocketed what we owe in order to catch up on the loan itself. 

They are telling us that we must pay all of it that totals over {$23000.00} when our loan to catch up is only about {$11000.00}.

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 2017-11-29
Company: Weinberg Mediation Group LLC
State: CA
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:
I was contacted by Weinburg mediation group about a month ago they threatened to take me to court if I did n't pay them. We do n't have alot of money to give they said if I did n't agree to an amount they suggested I would be sued I made 2 payments and ca n't pay what they want so one payment has n't been made they are still threatening me to sue. Last call was XXXX/XXXX/17. They are also contacted my ex step mom which she has nothing to do with any of my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: PA
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:
Ive written equifax on multiple occasions explaining to them that I did not authorize or verify multiple hard inquiries that were reporting on my consumer credit profile and ask for them to be removed immediately. They never even took the time to write back. I never gave consent for Equifax to report this information and my consumer rights are therefore being violated. 

15 usc 1681b ( a ) ( 2 ) states In accordance with written instruction of the consumer to whom it relates. 

I never gave written instruction or consent of any kind therefore my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Butler and Associates, PA
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a notice of a debt against myself and a hospital from a law firm. My wife, who has POA for me called the law firm while I was out of state. They refused to speak to her. She called the hospital the debt claimed to be from. She was notified that there was no outstanding account. She called the agency they send debts to and was told they have no account for my either. They did some digging and found out the law firm bought a debt that was XXXX XXXX XXXX from my deceased wife, attached a civil court case number and my name to it, and sent me a threatening letter saying I was being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt that was paid ( {$200.00} ) in full to XXXX, XXXX on XX/XX/2019. However, Diversified Consultants is reporting on my credit for this account. I have mailed letters and asked that this account be removed from my credit report since Diversified Consultants no longer own this account.

Company response to consumer: Closed with explanation