BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts LLC is reporting an invalid, fictitious debt on my credit report for close to {$5000.00} without any verification or validation of that debt in violation of the FDCPA, FRCA, Rosenthal Act, and the California FCRA. 

I secured written documentation from the purported underlying debt holder that documents I had never done business with that firm. 

I have absolutely no idea what this debt and have requested verification of the debt from Capital Accounts via certified mail but there has been no reply to me whatsoever again in violation of consumer protection and unfair debt collection laws. 

In addition, I also requested that I only be contacted via mail for debt verification purposes but that I not be contacted for any other reason, including by telephone. Capital Accounts repeatedly called me via telephone on several occasions in violation of the TCPA at {$500.00} per violation. 

Last, I was never sent an initial dunning letter regarding this debt again which is in violation of consumer protection and unfair debt collection laws. 

After I disputed the collection trade line with the CRAs ( XXXX, XXXX  and XXXX ) on multiple occasions, Capital Accounts continued to inaccurately verify this non-existent debt in violation of FCRA, California FCRA, and other consumer protection statutes. 

I intend to sue Capital Accounts for its several violations of federal and state statutes but would also like to request that the CFPB intervene immediately. Given the almost 1,000 complaints against Capital Accounts, I also request that the CFPB refer this matter to the California Attorney Generals Office as well as to other State Attorneys General. I intend to file complaints with the California Attorney General myself as well as to the California Medical Board since this is purportedly related to a medical debt. The medical clinic and doctor can be accountable for these state and federal violations! Hopefully, there will be action taken against the medical license and discipline by the California Medical Board against the doctor!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, 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:
the following student loan is not mine, with us dept of education, i have never went to school here and let alone getting a student loans, please equifax is reporting this inaccurate account under my name, and they are not helping me to have this removed i will be attaching my documents, please help me to have this inaccurate reported from my credit file. 
appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card account was closed by Capital One due to inactivity, without notification in XX/XX/2018. I was told the company makes business decisions to close accounts. I am confused as to how they make the determination to close my account, is that consistent with other account holders? I ask as my wife also has a Capital One account and has not used it for a purchase in at least 2 years. What is especially egregious is I have a savings account with the same company - they are happy to keep my money on deposit and utilize it for further lending but elect to close my account as I was not carrying a continuing balance.This action may have an impact on my credit score and impact my ability to apply for credit in future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company called Diversifeid consultant attempted to collect the sum XXXX from me. They said I owe XXXX XXXX  T this money. I explained to them I dont owe such amount of money but they went ahead and destroy my credit with a degoratory marks. This has ruined my credit score/report. I called XXXX XXXX XXXX and they confirmed I dont owe them that amount but this false claim has already destroy my credit history/report. Please kindly help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I used the equifax site to see if my wife and I were victims of their security breach. It said we both were. This means we are both victims of identity theft, therefore we should be able to place a freeze on both our accounts without paying the {$10.00} fee. However, they provide no option for this on their site. If I call their phone number there is no option to speak to anyone about credit freezes. It 's all automated. We 'll be forced to go ahead and pay the {$10.00} each since equifax chose to wait over a month to notify consumers. We ca n't gamble with waiting any longer. Also, due to the sneaky language about waiving your rights to trial by signing up in their free monitoring service, that is not an option we want to take. We should be entitled to a refund of this {$10.00} fee, each.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Bierer Law Group, P.A.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX. This debt was originally procured through XXXX XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX   when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX   the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as XXXX XXXX. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. XXXX XXXX has no standing legal collection process. So recently they assigned the collection to a law firm known as The Bierer Law Group, P.A., located in XXXX, XXXX XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is XXXX XXXX trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both XXXX and XXXX. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against Bierer Law Group, P.A. with the XXXX  XXXX XXXX. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
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 information incorrect

Complaint:
I had an account with XXXX XXXX linked with autopay XXXX XXXX  XXXX XXXX Credit Card. I closed my account with XXXX XXXX in beginning of XX/XX/2017. Thereafter I requested XXXX XXXX XXXX to freeze my account and they never completed my request. A charge of $ XXXX/- came through for XX/XX/2017 fraudulently from XXXX XXXX for the entire month. I disputed the charge with XXXX XXXX XXXX Card with all supporting documents ( including vacated unit receipt from XXXX XXXX ). XXXX XXXX did not help me kept adding late charge and reported me to the 3 Bureaus as Charge off $ XXXX/-. As a result my excellent credit scores maintained all these years went drastically down. As a result my financial situation got effected and my mortgage is still sitting unapproved. I contacted all the three bureaus with similar dispute and all supporting documents and as a result XXXX XXXX and XXXX recognized the fraud and deleted the charge off from XXXX XXXX from my account and report as a result my XXXX XXXX score went upto XXXX and XXXX to XXXX. Unfortunately, Experian has still not helped me inspite of repeated calls, disputes and emails. My score still sits at XXXX. This is very frustrating and ridiculous my financial condition is still effected and my mortgage approval is in limbo. Please help 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-14
Company: EQUIFAX, INC.
State: HI
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:
We applied for a XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently XXXXXXXX XXXX  does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Personal information incorrect

Complaint:
Equifax keeps adding a ( XXXX XXXX to end of my name MY names is XXXX XXXX as to the letter sent out on XX/XX/2019 error after error with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Midland Credit Management threatening to take me to court over an old debt. This is the first letter that I have received from them. I called to ask them to mail me a validation letter and that I would happily work with them if they did so. They kept asking me if I was admitting that the debt was mine, I explained that I can not do that because I need a validation letter to review. They stated that they sent a letter in XX/XX/2018 to an address that I did not live at during that time. They then changed their story and said that they mailed it to a different address in XXXX of 2018. I was transferred a total of 3 times and each person provided different conflicting information. I repeatedly asked for a validation letter to be mailed to me. They refused every time and said that they would only review this over the phone with me. I stated that I would not do that because they're known online for going back on their word, and that I am requesting the validation letter be sent because I never received it and would like to investigate this matter. They again refused and I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Following this press release by the FTC XXXX https : XXXX ), I went to Equifax XXXX XXXX : XXXX ) and checked my impact. They suggest I have been impacted, but their resolution is for me to waive my rights to class action against Equifax in exchange for a credit monitoring service. I do not think this is an appropriate resolution and would like the CFPB to find a stronger resolution for me and other Equifax customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX received letter from Synchrony Bank our account was sold to XXXX XXXX XXXX for nonpayment XX/XX/XXXX @ XXXX XXXX spk/w XXXX to explain problem XXXX XXXX spk/w XXXX re same as above XXXX XXXX  spk/w XXXX re same XXXX XXXX spk/w XXXX Synchrony Bank re same XXXX XXXX  spk/w   XXXX Syn. Bank Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from XXXX XXXX XXXX. Also sent CEOs of Synchrony Bank and LOWES a letter describing our plight. Received calls from both. Described plight again. Synchrony said bill returned by USPS unknown at address. When asked what was purchased, Synchrony said no. When asked if we could see the returned envelope, Synchrony Band again said no. Synchrony also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from SB stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.

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 2019-07-19
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
The company TransferWise advertises their " brilliant '' service TransferWise for Business for all businesses to open quickly and use it efficiently. It did sound great to have a Borderless Account for our non-profit organization so we can lower international bank fees of our charitable causes. However, in reality this was very different, complicated and eventually not even allowed. 
I first had to open a personal account, uploading personal documents. Then connect a business account to it, giving details about our charitable organization and its bank account details. Each step of confirmation took several days. Then, in an e-mail they asked 4 questions about our non-profit without explaining why they need to know those questions or what their policy is about. After several days of answering those questions they just said that we can not open this account ( without any explanation ) and blocked both the business and my personal accounts for good but keeping all the sensitive data we have provided in the process. 
They show a false advertisement, as apparently they only open business accounts for their selected clients. Their whole procedure just felt very dodgy and unprofessional to me. Not allowing a charitable organization to open a business account just sounds very untrusty or they just want to deal with big and rich for-profit organizations as businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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:
The recent Equifax hack exposed my personal information to hackers for over 2 months. My wife and I are in the underwriting process for our first home RIGHT NOW. This is absolutely unacceptable. I 'm a XXXX XXXX and work on web-facing applications by trade, this sort of security breach is beyond the pale and wholly avoidable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
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 sent XXXX XXXX  A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums

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 2018-04-16
Company: Real Time Group, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I took out a lean on a XXXX XXXX XXXX ( I think in XXXX ) with XXXX XXXX in the amount of XXXX, XXXX dollars. They have passed on collection of the loan to several other companies since then. Each time the debt passed I requested debt validation but just got half answers and the run around. Recently last year ( in XX/XX/XXXX ) it passed to Real Time Resolutions whereas I immediately requested debt validation because this debt has gone on forever and I am questioning how it could still have such a high balance rather than having possibly been paid off years ago. On XX/XX/XXXX I wrote to Real Time Resolutions and requested debt validation. Exhibit # 1 ( I will upload to you ). I received a response from them on XX/XX/XXXX that says they are, " currently researching your account ''. Then approx. one month later I received another ( undated letter ) that stated, that they have requested information to adequately respond to my inquiry which they have not received - Exhibit # 2. To date I have not received validation of this debt and feel it was likely paid off years ago and that I am owed back funds ( plus interest ) due to over payments. Recently, I received a letter from Real Time resolutions trying to bill me for a late fee on whereas they had received the monthly payment on time ( and within the grace period ) - yet they continue to bill me for the amount of XXXX cents even though they told me over the phone the late fee bill was a mistake. Please see - Exhibits. ( additional supporting documentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Usaa bank is damaging my credit by reporting my credit card as late eventhough I pay the what I can every month.

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