BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX I had a bill turned over to Wakefield and Associates from XXXX XXXX ( XXXX XXXX  ) I had explained to Wakefield In XXXX when I realized it was on my credit report that I had put in an application for financial assistance and it needed to be removed from my credit report. Nothing was ever done about it. I then reported them to my credit reporting agency. When I called on Friday to pay some of my other bills they had sent this bill to their Attorney for suit. I told them this bill was to be put on hold until my application for financial support had been reviewed at XXXX XXXX and I had spoken to them and they were really far behind. That it wasnt my fault they were behind, the bill would be part of that application and I wasnt paying any of it until I saw what happened, I simply didnt have the money. I was told they didnt care if it was waiting for that or not after being on hold for so many months it would go to the attorneys office. I told the gentleman that was fine I would get an attorney and he sId that was fine we would just let it lie then. XXXX XXXX had told me when I spoke to them that nothing would happen with this bill until my financial aid application was completed. Wakefield took it upon themselves to send it to an attorney. It simply isnt their right to collect on a debt that has been put on hold by their creditor nor is it their right to put it on my credit report but they have. 
I had a nervous breakdown in XXXX and a much more serious one in XXXX due to my XXXX and our financial situation associated with it, these bills they currently have are part of that. I have been paying them what I can when I can. My family barely has food because I use this money to pay my debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Revenue Assurance Professionals LLC
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: Account information incorrect

Complaint:
I have tried to dispute this account previously. I DO NOT have a contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: United PanAm Financial Corp.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
United Auto Credit left threatening messages on my voicemail on more than one occasion. They left a voicemail on my phone before XXXX. They would call back after I ended the call and told them not to call minutes later. They continued to call my references cell phones after asked not to. They called my cell phone after asking not to. Once I received I text message saying they could find my vehicle. Would receive emails threatening the collateral no encrypted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing you to dispute this charge. When we canceled XXXX  service it balance was XXXX. After our account was closed and all equipment was returned they stated we old {$180.00} because of and box we needed to get cable access up stairs. They stated because we got that box our contract was renewed for an additional 18 months and that we canceled service before the 18 month period ended. Thats ridiculous and they need to stop calling us. Period. This is my number, XXXX. They are calling my father in law who is XXXX and does not understand and can bearly hear what they are say. Please call me directly concerning this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX, which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : NAME : XXXX XX/XX/XXXXXXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The inquiry was not authorized ELANFINANC Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 


The following accounts listed above was disputed twice and the ( credit bureau ) have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by ( credit bureau ) and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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: 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 A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 2020-07-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2022-08-15
Company: EQUIFAX, INC.
State: VA
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:
Someone stole my identity a long time ago opened a few accounts which went to collections. The account XXXX XXXX XXXX isnt mine nor do I know who it is. 

The last four of my SSN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple credit inquiries that I did not authorize. I have contacted Transunion,  XXXX , and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

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 2022-08-15
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened an account on XX/XX/2022 and within one day was unable to login. I was told " Your user ID or password is not recognized. Please try again. '' So I tried to reset password and Forget userID but both methods told me " One or more pieces of information entered does not match our records. Please try again. '' after I entered my information ( SSN and name ). 
I tried to register another userID using the same information and was finally able to login to the online account. But this is not the end of story. 

I found I was not able to withdraw or deposit money to my account, and less than a week from I opened my account, I recieved a letter in my mail telling me the account has been closed on XX/XX/2022, yes, the same day I opened it! 

However, I have been able to login my online account ( using the new userID of course ) and see my account number and recieving statement emails all the time. But I was not able to transfer any money from my account. I tried XXXX but told me I have to have an account open to use XXXX. 

The biggest XXXX is that I find today I have been charged monthly fees every month. The initial deposit of {$50.00} has been all the way charged and now my balance is even below 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter to Medicredit Inc in XX/XX/2022 requesting validation of debt. I requested the following information : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and agency issuing the license, If you are contacting me from outside the state, provide the licensing information from your state as well. 

Medicredit sent me a letter about charges with my HIPAA information on the top but no letter of my release of that information as requested or any other information. As well as proceeded to continue to call and demand I pay this debt. I sent another letter in XXXX stating they violated my rights from failing to provide the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are   XXXX    XXXX   XXXX  and  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 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Hello I was shopping for a vacation with wife and child I came across XXXX XXXX  thinking they had a bargain for flight tickets, I made a purchase than realized not so great of a savings. 

I canceled the purchase I was told I will get a refund I have an email confirmed the refund. Refund was given but than XXXX XXXX  made an unauthorized purchase on another airline on a different date. Once I realized that unauthorized purchase was made, I contact my credit card company Barclay master card had them investigate and cancel my credit card. XXXX XXXX  rebilled me and Credit Card company is complicated now and is not much help and should have never let the merchant rebill 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 explanation
Consumer complaint received 2021-04-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company apparently processes and takes payments from anyone. We were notified on XX/XX/XXXX by our mortgage company that we had been delinquent on two payments. This was shocking to us and we immediately got on the phone with them to understand the issue, as we have our account set-up for autopayment. 

When we contacted them, we were notified that the wrong person had paid our mortgage in XXXX, so there was a double payment made in the month of XXXX. Without any notice to us, they rescinded the XXXX payment from the other person, and applied the payment we had made for the monthly XXXX payment to XXXX, leaving us with XXXX unpaid. We learned none of this until XX/XX/XXXX when we received a letter. The company never contacted us for the mis payment, nor explained to us how someone else could make a payment on our account. 

They then proceeded to send us another letter on XX/XX/XXXX letting us know of our options to avoid foreclosure. This was additionally horrifying as we had just made a payment for 2 months, without any of this being brought to our attention in the first place. 

The intimidation and scare tactics that are used by this company are horrifying, and even more ghastly is the fact that they can not answer how this mixup could happen in the first place ( audit much?? )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/2023 Subject : Notice of Dispute I am writing to formally dispute the accuracy of the information contained within my credit report maintained by Experian. 
I am a victim of identity theft. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I hereby request that you block all of the fraudulent information on the police report and listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act.

I have conducted a thorough review of my credit report and identified several inaccuracies that require immediate attention. The following accounts and late payments were reported without my authorization or consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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