BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/2022, approximately one year ago, my wallet was stolen during the process of my relocation. Upon discovering unauthorized charges on my bank account and receiving payment notifications to my email address, I promptly took action by sending multiple letters to XXXX XXXX XXXX XXXX Mail. These letters were intended to inform XXXX XXXX that I had no affiliation with their organization. To support my claims, I attached an FTC and police report, as well as various forms of identification, to each correspondence. Regrettably, XXXX XXXX did not acknowledge or respond to any of my letters. Instead, they allowed the debt to accumulate and subsequently forwarded it to a collections agency. When I attempted to resolve the issue by contacting their customer service, I was informed that no assistance could be provided over the phone. I followed their instructions by sending a detailed letter to their address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, explaining the situation. Moreover, I obtained notarization for this letter, yet I never received any form of response from XXXX XXXX. It is crucial to emphasize that I am not accountable for this debt, and I refuse to assume financial responsibility for something that I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-11-14
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They claim I owe for merchandise I do n't remember ordering and never received from CA and IN. 
XX/XX/XXXX, company name : XXXX XXXX and XX/XX/XXXX, company name : XXXX XXXX XXXX . 
Original amounts : {$92.00} and {$97.00}, which as ofXX/XX/XXXX, the total comes up to {$270.00}, including other charges, penalties, interest, etc. 
I have repeatedly informed them I never received this merchandise, and they keep on sending mail, and I keep on receiving constant telephone calls. 
I have asked them to provide proof of anything ordered by me with my signature affixed to any purchase order, or something similar, and they have not complied with that request, due to the fact that there is no such paperwork in existence. 


































































4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit reporting 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 not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, I was a victim of identity theft - and as a result have had my credit ruined from fraudulent activity. 

See attached. 

drivers license social security card address complaint FTC report for identity theft I expect all of this fraudulent activity to be removed immediately upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recieved 30day notice dated XX/XX/XXXX from Calvary Portfolio XXXX debt buyer ) regarding a XXXX account. Replied on XX/XX/XXXX with a Validation of Debt request per 15 USC 1692g Sec. 809 XXXX b ) of the FDCPA statute. Did not reply in 30days or at all as required by the statute for them to continue collection efforts including but not limited to reporting to Credit Bureau 's. Notified them in writting of Non Compliance and it no longer being a pursuable debt on XX/XX/XXXX. Written and reported collection efforts continued so further notice was made on XX/XX/XXXX and a FINAL notice that action was being taken on XX/XX/XXXX. Notified Credit Bureau XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX but the debt buyer Calvary Portfolio still has not been removed from my report, only marked as disputed. 

I have followed all requirements and statutes per this acct and their actions with no results and am now feeling harassed since they do not and have not responded to myself directly regarding my dispute and or validation, NOT verification, request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Avant Holding Company, Inc.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had an automatic withdrawal that was not honored by my bank in late XXXX. The next month automatic withdrawals continued as agreed. Starting in XX/XX/XXXX I have continually tried multiple times to pay the missed payment but online always says the website is in maintenance. I have spoken to representatives over 20 times since XXXX and they refuse to take a payment stating they can't find an account. I also have emailed support which has acknowledged an issue and sent me an email stating that charges and interest would be waived until they got the issue fixed but I still get maintenance notification when I log in. Recently I got notification on my credit report that the account is past due and balance has increased due to interest and charges. With Avant 's history with an FTC lawsuit I can only assume that the runaround I have gone through to make a payment is intentional and illegal to increase interest and fees. Their activities have reduced my credit score that will cost me money on insurance and loan rates going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
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:
I submitted a dispute and a request to VALIDATE a debt with regards to 2 charges on my credit report from a dept collector named ARS XXXX account resolution services XXXX. Amounts showing {$940.00} and {$630.00}. Being that I have absolutely no knowledge of these supposed debts, I sent a certified letter directly to the debt collector, ARS requesting that the debts be VALIDATED not verified. A copy of that letter outlining what information I was seeking to validate the debts per my legal rights under the FDCPA, is attached, along with a copy of the signed return receipt from the post office. 
When ARS responded they DID NOT validate the debts or provide any of the information I requested and is my legal right to obtain to prove the debt is indeed valid and that I have any legal obligation to pay them. A copy of the response letters from ARS is also enclosed. I have never received any certified correspondence from ARS regarding these supposed debts and only learned of them by checking my credit reports. As I am trying to build my credit, I disputed these debts with ARS and I still dispute these debts. 
ARS failed to respond to my request for debt validation and is violating the FDCPA by trying to collect these debts. This is evidenced by their response to my request for validation, as they sent me a letter/bill and are continuing to report negative information to the credit bureaus, when these debts have not been validated. I am therefor requesting to file a complaint against this company.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 1687 Account name : XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 agency can not furnish an account without my written instructions reporting 15 U.S.C 1681
c. ( a ) ( 5 ) Section States : no consumer reporting agency ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 7 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 relc 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 2021-03-22
Company: CARTER-JONES COLLECTION SERVICE, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This dispute is for Carter - Jones of XXXX XXXX OR for {$510.00} and {$570.00} after fees. Account number XXXX. The collection agency violated the HIPA in getting information on the collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
creditor agreed to remove accounts.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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.

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 2022-10-19
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime Bank agents engaged in unauthorized activity with my debit card, made false reports on my accounts and caused my debit card to be shut down. They refused to fix the problem WHILE knowing i did not reside at the same apartment. I had just left and am currently homeless. They knew this and still refused to turn my card on at least not They then sent a replacement card to a place I do not reside and knew this. They were well aware of my homeless status and did nothing to resolve the issue. I now have now way to receive my direct deposit. 

Chimes agents have shown extreme incompetence when dealing with financial services. They do not investigate and there is recorded proof of each call of these agents not opening investigation documents u til i tell them to. They are unaware of the issue at hand until I force them to read the evidence I provided. 

At no point did Chime mention canceling my card and sending a replacement in any of there responses to me. In fact they never confirmed the dispute, they never finished the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several calls from portfolio recovery and have repeatedly told them that I will pay them when I get the money. They have not heeded my requests and they have still kept calling. The latest was this afternoon ( XXXX @ XXXX PM ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Roquemore Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto 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:
In XXXX, XXXX and XXXX the entire month everyday, XXXX XXXX XXXX contacted my family members telling them that they were a law firm and that they were calling about a XXXX and if they would n't tell them about my whereabouts that this could escalate to me doing jail time and possibly them getting in trouble for not giving them the information that they asked for. The person name was XXXX. He contacted people that I did n't know on XXXX with the same information and I have the messages showing that they told the person that they did not know me and they kept persisting that they did. Threatening them as well. This is illegal and they should not be collecting if they can not follow the laws and regulations. They overstepped their boundaries when they discussed my personal information with my friends, family, and XXXX friends. My mother is elderly and they had her all upset telling her that I would be arrested and face prison time. THIS IS XXXX. I will also seek legal ramifications because everyone that they contacted will testify against them. I 'm in the process of filing Bankruptcy and I 'm already XXXX and dXXXX. This is the last thing that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: LA
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:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions. These accounts are being reported multiple times and are the same alledge debts trying to be collected.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For years, I have been receiving calls, from a debt collection company, well and far past, the statute of limitations, for a $ XXXX debt, from a medical imaging service, So, many, years, have gone by, I am not sure, that, there, was an original debt. There is no harassment, because, the continuous, calling, is a recorded, loop call, similar, to a robotic message, that tells, us to call XXXX ( from which, the calls originate ), or XXXX, which may or not, be an office. The name of the company is ICS debt collections.

I tried to speak, to someone, many years ago, and tried, to explain, that, I could, find nothing, of the alleged, XXXX debt. I also, tried to explain, to them, that in, calling, me over, and over, again, within, the past 5 year, has turned, into some form of harassment. 
The man, at ICS, I did no retain, his name, responded, by saying " JUST PAY THE DEBT ''. Now, in 2020/XXXX  XXXX, at XXXX, the cycle starts, again. All I can say is " HELP '', this company has joined themselves to me like a marriage, and I want a divorce, from XXXX, I hope, that you can, stop, these, unwanted calls Thank you in Advance. 
XXXX XXXX Footnote : Seniors like us, who keep our landline phones, are grossly, called by, potential scammer, daily, with robocalls, it is a real and serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ZARVAD III S.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received a call that my previously submitted application for a payday loan ( never applied for a payday loan ) has been approved by a new lender for an amount up to {$15000.00}. This was a computer generated call from XXXX. 

They just wanted me to a to apply for a loan that I didn't ask for or want from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: DE
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 confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 explanation