BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

Levy Law Firm is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called Levy Law Firm every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call Levy Law Firm every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSWORLD SYSTEMS INC
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CL Holdings LLC
State: CT
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 review my credit report constantly due to being an identity theft victim several years ago and notice that I still have 5 collection accounts that have never contacted me by mail or phone. One is for XXXX XXXX which was my ex husband 's accounts. Every complaint I make results in immediate contact by the collection company. It has been several years and at this point have done everything to prove I am a victim. This ruined My life way to long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: TN
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:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an XXXX Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: Monterey Financial Services LLC
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Informed by XXXX XXXX my credit score adjusted down due to a delinquent debt.  XXXX referred me to XXXX. on XX/XX/2020 Spoke with XXXX and refuted the debt. XXXX spoke with Monterey Collections asking for verification of appropriateness of the debt to me as well as providing proof to me of the debt. Monterey informed XXXX that the debt is indeed mine and valid. My SSN was not verified against this debt, since no information was provided as to the actual creditors SSN. The verification depended upon an address within my credit file that is not correct as a previous or current address. Upon my review of the documents provided by Monterey Collections ( received XX/XX/2020 ), I discovered that certain portions of the file were intentionally omitted. The missing documents pertained to a Preliminary Credit Rating Request Form, which would have indicated the SSN number of the actual debtor ( and I suspect it would also include the Driver 's License or Passport information of the actual debtor as well ). On XX/XX/2020, I have refiled a verification of the debt with XXXX attaching documentation demonstrating my inappropriateness of ownership of the debt. I have attached the letter I sent to XXXX for your documentation as to why this debt is not appropriate to me. I have edited the document to remove the names of family members I used to refute certain aspects of the contract provided by Monterey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Wells Fargo denied my HAMP modification. I have already filed this complaint twice each time I have received a response back from Wells Fargo does not make sense, is incorrect and inconsistent. The last response I received basically said that they denied me because I was in bankruptcy. According to the guidelines for Hamp, being in bankruptcy does not disqualify you from being approved for the modification. 
Wells Fargo is doing the exact same thing they did to me in the past. They did everything they possibly can to deny me of a modification. And today they are doing everything they can to keep from paying me from the class action lawsuit..

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 2022-11-10
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX wrote off a fraudulent debt for a XXXX XXXX XXXX due to a non existing account of approx {$27000.00}. I did not have a contract with XXXX XXXX. XXXX XXXX tried to produce a contract which did not have my signature nor theirs. A contract is a signed agreement by 2 parties. XXXX XXXX wrote off the fraudulent debt in the approx {$27000.00} and Resurgent Capital Services purchased this fraudulent debt. I did not have a contract with XXXX XXXX nor do I have a contract with Resurgent Capital Services. Resurgent is holding the title to my vehicle. I want my title from them. XXXX XXXX nor Resurgent capital can produce a valid or signed contract from me. They are causing me harm and anguish. I want my clear title to my XXXX XXXXXXXX XXXX sent to me immediately and/or a release of lien letter over-nighted and/or emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: IA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until the debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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: Old information reappears or never goes away

Complaint:
The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.

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 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan from American Express at the end of XX/XX/2023. The monthly payments as indicated on the Truth in Lending disclosure are {$620.00}. My first payment was due on XX/XX/XXXX, and the amount indicated on the bill was {$790.00}. I contacted Amex twice in XXXX about the discrepancy. They indicated they were aware and would resolve it, and to pay the amount indicated on the truth in lending disclosure by the due date. They would resolve it and I would not be liable for any late fees. 

I made the payment for {$620.00} on XX/XX/XXXX as required. I have a late fee on my account of {$39.00} as well. I called Amex again this evening, and they still tell me they are aware of it and it will be resolved, but I have very little confidence in this. At this point, I am concerned about my account being reported as delinquent / late to the credit reporting agencies. I have called Amex XXXX times in XXXX weeks, each time being assured that they would resolve this discrepancy but there has been no progress. They are billing me more than agreed upon in the Truth in Lending statement and not offering a timely resolution. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Resurgent Capital Services L.P.
State: TX
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:
This is regarding CFPB complaint XXXX. This letter is my final communication regarding your claim that the information below has been verified and that the information being furnished is accurate. I informed you of the clear inaccuracies reporting including the balances and the date last active. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under the FDCPA. If this account is not removed from my credit report, I will be filing a statement of claim to move forward with legal action and compensation due to negligence, mental anguish, and proof of documented violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im really worried that PORTFOLIO RECOVERY is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX, have the right to privacy. PORTFOLIO RECOVERY has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to PORTFOLIO RECOVERY to contact me. PORTFOLIO RECOVERY has/ or purchased my private information without my consent. I never contracted with PORTFOLIO RECOVERY. 
PORTFOLIO RECOVERY is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand PORTFOLIO RECOVERY to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for PORTFOLIO RECOVERY to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day ( and sometimes multiple times per day ) I receive phone calls from numbers with seemingly random area codes. 
I am currently looking for a job and can not afford to screen my calls in case one of them is a prospective employer. These calls come in at very inopportune times, often waking me up or waking up my partner who works overnights. I also have relatives with declining health and am an emergency contact for many of my loved ones. I often do contract work that requires me to be on call, and if I do not answer the phone I will lose my contract. 
Having to run out of church to answer my phone is very embarrassing and disrespectful. Getting unnecessary calls while at work looks unprofessional. Interrupting our sleep is affecting our mental health. Every time a number calls that I do not know my heart drops because I am terrified something has happened to a loved one, or that there has been an emergency of some sort. 
To top it off, the callers will remain on the line long enough until a voicemail is left on my phone, which causes the box to be full constantly. If I forget to clear it, I miss valuable and potentially life changing information. 
I have asked these people to stop calling me, and it has been going on so long that I no longer remember which companies are calling me and what the call is about, because if I ask for the purpose of the call, they respond by first asking me to identify myself. If I do not identify myself without knowing the nature of the call, they state that they will try again later, or simply hang up. 

Here is a short list of numbers that have called me, with dates/times : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basically this has been going on for a year or two and if they really want my money they should stop interfering with the activities that actually EARN that money. I'm not sure what other information I can pass along that could help and I wish I could remember the specifics about who these people are and what they want but after everything they have put me through I have long since given up on the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
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: Personal information incorrect

Complaint:
Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.

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