BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Messerli & Kramer PA threatening to garnish my wages based upon a default judgement that was obtained in XXXX. The judgement derived from a time barred credit card debt. I reside in the state of Wisconsin. The statue of limitation regarding a open account or credit card debt is 6 years. The debt in question became in default was in XXXX. In which at that time the balance of the debt was alittle over XXXX. Messerli and Kramer pursued legal action against me in XXXX. 2 years after the statue of limitation. I wasn't made aware of the date and time of the proceedings. It just appears that I just didn't show up. I didn't know anything about this. I wasn't given the opportunity to even dispute the validity of the debt or even the true ownership of the debt? I am not even sure XXXX XXXX or even this law office purchased this debt from the original owners. Also, Messerli and Kramer PA submitted an amount of XXXX, XXXX as the amount discharged which is absolutely incorrect. In which this law firm has misrepresented the amount of the debt. I am a XXXX XXXX XXXX senior citizen and I feel like I have been a victim of a scam. I am requesting assistance in remediating this issue. I am disputing the validity of this debt. Besides the letter I received last week, I have no other documentation. I had my daughter search the Wisconsin XXXX XXXX XXXX XXXX website in order for me to obtain any information but no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Suntrust credit card. Suntrust merged with BBT and when they did they merged they changed my payment information. I have been paying the same way with my XXXX XXXX  account for around 5 years. When I went to make a payment on XX/XX/21 I noticed that when I selected my XXXX XXXX  account it had someone else 's name on it, but with my routing and account number. The even stranger thing is that it is my bosses name. Somehow they associated me with my boss. I have been calling them for 2 days. I am bounced from one department to the next. Customer service says its the digital banking department and the digital banking department says its customer service who handles this. I think this is pretty scary that they are merging peoples financial information. I tried to edit the information online but that is not allowed. I tried adding it again but it wont let me because it is the same banking info. I couldn't find any way to delete and re-enter the info either. So right now I can't make a payment on my account and it is very unsettling that they are this careless with financial 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 explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
36 15 USC 1666B : A creditor may not treat a payment on a credit card account under (. 
open end consumer credit plan as late for purpose 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 2022-09-07
Company: Mid-America Accounts Control Bureau, Inc.
State: TX
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:
Date Assigned XX/XX/2022 Account Number open Mid-Amer Accounts Co Original Amount Owed {$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt popped up on my credit report, I contacted company showed proof the payment was paid. They refuse to remove it. I had the hospital and had the hospital contact agency and they refuse to remove. This agency should not have my medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had an open case : XXXX Which was closed. 

Wells Fargo Sent My CFPB Complaint Status To The Wrong Person!!!! 

Why am I receiving this from someone who you guys ( Wells Fargo ) undoubtedly thought he was me? 

On Fri, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX, My name is XXXX XXXX. On XX/XX/19 I filed a case against Wells Fargo with the CFPB because a banking error on their part caused damage to my business. My case CFPB Case # is XXXX. On XX/XX/19 I received a response to my case stating they required more time and then another email stating that they had closed my investigation with this letter attached. 

The letter was the response to you and provide me with your email address, case number, details regarding your case and so forth. I have attached the letter for your review. I contacted the CFPB immediately and advised them of the situation. They in turn contacted Wells Fargo to advise them of their error and had the letter erased from my case. 

I am not sure but I do believe that without your consent I should not have had this personal information sent to me or attached to my case information. 

I felt it was necessary to contact you and let you know of this error. 

If you have any additional questions please feel free to email me. 

XXXX I am not XXXX and XXXX is not 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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to know why Chase Bank sold my mother 's account. My mother died and after that I have no idea what happened to the account. My father and sister were making the payments and all of sudden everything stopped. They took my sisters money for trial repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I called Fidelity crd several times stating that the time they are charging me for I was no longer a resident in this area they reported I left without notifying the landlord that's wasn't true I return key and remove myself from property because my lease was up and I never agreed to another lease agreement for the year and months she is reporting me for .Me and my children was living in a XXXX XXXX XXXX at XXXX XXXX XXXX at the dates she is referring to I have text messages saying I paid her what I owe for the month of XXXX, XXXX, and XXXX and then we removed ourself from property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a 1099-C from US Bank for cancellation of debt in the amount XXXX. I have not had an account with US Bank in over a decade. When I contacted them they said it was for a business that was closed about a decade ago. The debt was from 7 years ago in 2013 supposedly. I have not used this account nor was even aware I had this account. Had they tried to collect or even sent me a bill I would have disputed any charges at that time. They claim they spoke to me in 2013 and I said if you did speak to someone it was not me. Instead of helping me they said take it up with your tax adviser. There are numerous regulatory violations here. To start, this is not my charge and I was not even aware there were charges for 7 years. This would have been disputed if I was aware per REG E and I am sure there Visa or MasterCard agreement. I would also say there is FDCPA violations as there was never an attempt to collect a debt, not was there any notification for 7 years that there was a debt for a company that was closed 10 years ago. Additionally, the contact info on the 1099-C is incorrect and had to be transferred to 6 different individuals all scripted to say they cant assist.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.

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 2023-06-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/PPC-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
I have sent several letters to have these collections removed LVNV Funding LLC {$1400.00} LVNV Funding LLC {$550.00} LVNV Funding LLC {$1700.00} LVNV Funding LLC {$3700.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting two separate conflicting accounts on my Experian, XXXX, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX I called Milestone on the phone number listed on my credit reports for both Milestone accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX account in the past with Experian, XXXX, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX Experian, XXXX, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my Experian, XXXX, and XXXX credit reports immediately. I have attached a copy of my credit reports with both XXXX accounts listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX 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 information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to my consumer report I received dated XX/XX/2023 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Equifax such authority. In accordance with 15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ).

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a chance to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than XXXX or no more that XXXX year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( PAANL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX WAS MY LEASING AGENCY AT XXXX XXXX XXXX XXXX TEXAS XXXX. I FULFIELD MT LEASE TERMS AND PAID A MONTH IN ADVANCE TO XXXX XXXX  PER MY LEASE AND I HAVE AN EMAIL STATING THAT THEY ACCEPTED MY NOTICE TO VACATE IN THE EMAIL WITHOUT ANY PENALTIES. 

BEFORE I VACATED THE PROPERTY I INFORMED XXXX XXXX  THAT MY WATER BILL HAD BEEN EXTREMELY HIGH THE LAST MONTH I LOVED IN THE PROPERTY AND THEY STATED THEY WOULD SEND SOMEONE OUT TO LOOK INTO THE MATTER. XXXX XXXX INFORMED MY THAT THERE WAS A LEAK NEAR THE INSIDE WALL OF THE GARAGE WHERE THE WASHER CONNECTION WAS ATTACHED. THEY ACCUSED ME OF CAUSING THE PROPERTY DAMAGE ; HOWEVER I HAD IVED THERE A YEAR WITH NEVER HAVING A HIGH WATER BILL. I FOUND OUT FROM A CONTRACTOR THAT THE OUTSIDE FAUCET AT THE FROM OF THE HOUSE WAS THE REASON FOR THE DAMAGE AND IT HAD NOTHING TO DO WITH THE WATER CONNECTION. 

XXXX XXXX WANTED ME TO PAY FOR THE REPAIRS AND I HAVE EVIDENCE THAT BY A CONTRACTOR AND PICTURE THAT THERE WAS NO DAMAGE FROM MY WAHSER CONNECTION. 

XXXX XXXX HAS NOW TURNED THIS OVER TO A COLLECTION AGENCY BY THE NAME OF FEDILITY INFORMATION THAN IS NOW SENDING ME CERTIFIED LETTERS, CALLING MY EMPLOYER AND THREATENING ME TO RUIN MY CREDIT AND IT WOULD BE IMPOSSIBLE FOR ME TO EVER LEASE ANOTHER PROPERTY OR BUY A HOME IF I DO NOT PAY THESE REPAIRS THAT ARE NOT MY RESPONSIBILITY. I ALSO HAD A {$3000.00} DEPOSIT UP ON THIS LEASE PROPERTY THAT WAS NEVER REFUNDED.

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