BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from my credit managing company that 'Ability Recovery Services ' has stated that I owe {$750.00} from a 2016 hospital visit and has put this account in collections. This is now affecting my credit score. I spoke with a rep at this Ability company and the woman stated that I could 'pay {$300.00} for this to all go away '. I stated that this debt is not valid and that this hospital account was closed 5 years ago.

After further research I discovered that this specific company buys closed medical accounts and attempts to collect money from unexpecting people. I have requested my medical records through a medical release form to prove the validity of my statements. I have also discovered via a XXXX search that Ability Recovery Services is involved within several law suits due to their fraudulent activity. I am disputed these claims and I am filing this complaint because my credit manager with XXXX  recommended I do so. Please feel free to contact me if there is further questions. Thank 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 explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: NC
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:
My Experian credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX XXXX ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the XX/XX/XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX  is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXXe verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX XXXXold the acct to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: R.M. Galicia, Inc.
State: CA
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  is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Arivo Acceptance, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Arivo Acceptance has repeatedly contacted my significant other ( unmarried ) leaving details of the status of my loan on his voice-mail ( voice-mail have been saved as proof of third party disclosure ) which also does not identify him personally but is an automated message that only states his phone number. They have done this with my relatives as well and constantly disclose my sensitive information to third parties. They have also drafted a payment from my account that I did not authorize and constantly harass me by calling several times every day, sending emails, and then calling my family members. I have asked for assistance as I have been struggling with a loss of income due to the pandemic and they are not willing to help but instead just continue to use what, in my opinion, is abusive/harassing practices, causing extreme stress to the point I am becoming physically ill. They also have sent me information regarding another person 's account which concerned me and they include my account number in the emails which I feel is risky if like in the case where they sent me info, what if it gets sent to someone else as which is another violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Security National Automotive Acceptance
State: RI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/XXXX i received two notices from Security National Automotive Acceptance Company ( SNAAC ) in regards to consent order XX/XX/XXXX-CFPB-XXXX ( enclosed ). one of them was a notice of a credit in the amount of {$1500.00}, datedXX/XX/XXXX. the other was a notice of refund in the amount of {$350.00}, as well as a check for that amount ( enclosed ). I received notification via email ( enclosed ) stating that the account was paid in full as ofXX/XX/XXXX. upon speaking with a SNAAC representative on XX/XX/XXXX i was told there is no record of my balance being paid off. ( phone record enclosed ) i requested the contact information of the rep to forward the email, and never received. i then again spoke to the rep on XX/XX/XXXX and was told that now they have the settlement information on file, and that they had taken the credit of {$1500.00} and applied it to the balance to close out the settlement. ( phone record enclosed ) However, the consent orderXX/XX/XXXX-CFPB-XXXX was filed onXX/XX/XXXX, 5 days after i was notified my account was paid in full.This withholding is in bad faith under consent order XX/XX/XXXX-CFPB-XXXX  and directly violates this order. upon more investigating i also never received any redress, or notices in regards to, consent orderXX/XX/XXXX-CFPB-XXXX. i have also attached documents taken from my SNAAC online portal referencing that my account still has a remaining balance, as well as a brief payment history, and a lack of any estatments for viewing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to communicate with Experian to remove credit freeze placed after I was hacked last year. I have attempted numerous times both by telephone and online. Online questions were unanswerable - involved the last 4 digits of a phone number I may have been associated with 20 years ago. Mailed a letter per their request with all required data. I have had no response. My credit is essentially being blocked by Experian and they are not responding to numerous requests to lift restrictions. They do not have a system in place to interact directly with a customer service representative. I had no problems whatsoever with either XXXX  or XXXX in terms of removing a security freeze.

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 2018-06-19
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX has seized my bank account located at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have sent certified mail to them notifying them that they are violating Indiana State law. The debt they are trying to collect is from XX/XX/XXXX and XX/XX/XXXX which is classified as " Time Barred '' debts according to Indiana State Law. A time barred debt is a debt over 6 years of age and ONLY allows the debt collector to send notice and NOT to take any court or enforceable action. This is part of Indiana state law IC 34-11-2-7. XXXX is clearly violating the law and needs to release my funds 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 2018-11-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt with Resurgent Capital / XXXX XXXX twice and in XXXX and XXXX they provided me a " verification of debt '' after asking for a validation of debt. I do not recall " XXXX XXXX '' debt and therefore I asked they provide a documentation showing where this came from and linking me to the debt. All they have been able to do is send me an " internal '' statement and no evidence or burden of proof this debt and amount owed is mine. When I called them today to just say I will pay it to go away they advised me they can not delete it. Why would I pay XXXX for a debt especially when it is scheduled to be removed next year. In addition, if I pay it then the account will update with the bureaus then causing my score to drop. I feel as though I am between a rock an hard place. So, when I spoke with XXXX today and once again asked they provide validation she stated I will need to put it in writing once more. When I asked her what validation they will provide she stated it would be what they provided in the past. How is it that LEGALLY they can fo this??? This is an injustice and is a kink in my consumer rights. Please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted on Saturday XX/XX/XXXX by XXXX XXXX XXXX. I was threatened by the agent and harrassed by being called several times over a debt that has nothing to do with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Alliance collections about putting 8 collections on my credit for the same collection and how it was an unfair practice for them to use my doctor dates of services and the broken up bills that the hospital sent them for the grand total, when those dates of services and those bills were never sent to me like that in the first place. They wrote back to me telling me its basically legal for them to do that..and sent the list of the dates of service. Those billls were sent to my insurance and then sent to me. So i got them as a big bill. I know you ( Allaince ) got contracted to pay off one amount. Not all of the little amounts you are are trying to use as your bills to ruin my credit and make me pay faster. It only makes me want to contact a lawyer and see what i can do because i have proof that it was one bill from the hospital. being on XXXX, is hard getting by anyway, and when you do this to people to hurt them it is terrible and it is unethical i feel to ruin someone's credit when they are paying you just because you want them to pay quicker. I know I owe, it is not about that or the amount. It is about you putting 8 hits on my credit for one bill from the hospital. That is ridiculous. That is unfair and unethical  practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I seen an account on my credit report for XXXX I dont know who or what company this is. I tried to disputed the account nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a transaction made with XXXX XXXX without my authorization. I didn't have a physical card with me for that transaction to even be made. I called XXXX XXXX and they didn't answer the phone I called 5 times and nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: MIDCOUNTRY FINANCIAL CORP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This loan was opened XX/XX/XXXX This account was included in a bankruptcy chapter XXXX filed XX/XX/XXXX case number XXXX This company Refuses to State and list on my credit report that it was is included in a bankruptcy It also Continues to list as a past due account till XX/XX/XXXX they also refuse to provide a date that this item will be removed from my credit report

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 2018-09-10
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a chargeback for my XXXX credit card for a merchant that split my purchase into two charges and then did not deliver what I ordered. I contacted Barclays about the problem and began a dispute. They sent me a letter asking for more information and I sent them the information they requested. Less than a week later, giving no time for mailing, they said we havent heard back so we are closing your dispute. I again responsed with the information they requested and they have not continued the dispute, They have made it impossible to get my money back and screwed up the chargeback and now I want them to refund me.

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 monetary relief
Consumer complaint received 2018-09-10
Company: ENOVA INTERNATIONAL, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Meridian Financial Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Meridian Financial Services is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.

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 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone of Bank of America called me relating about a suspicious transaction in my account in Texas and it was transferred to my account {$3500.00} and my phone number was changed to XXXX XXXX  and I had to take it back by transferring back my phone number to my Bank of America account. I sent the money to my phone number and it was someones name. I gave them the code they sent me and made the XXXX transfer to my phone number with another persons name. I lost my money to this thieves.

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 2018-09-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My information has been sold to a third company which turns out to be a fraud law office " law office of mitchell " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I obtained and printed a credit report from XXXX  and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.

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 2018-11-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This company continues to report inaccurate amount of voluntary repossession or all three credit reports. I called the company 2 years ago and no record of me in their file. As well as, filed a compliant through CFPB. The letter I received is that the company is looking into this information. The vehicle was voluntary given back to the company but it says I owe an outrageous balance. Reports as derogatory every month like clock work continuously lowering my credit score.

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