BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: WINN LAW GROUP, APC
State: CA
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:
Time-Barred Debts ( OLD DEBT ) If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years known as the statute of limitations to sue you to collect. After that, your unpaid debts are considered " time-barred. '' According to the law, a debt collector can not sue you for not paying a debt that's time-barred. 

I have WINN LAW GROUP collecting on it from my paycheck. 
I assume financial responsibility raising a family and supporting 100 % my permanent XXXX Mother for 4 years now. 

I cant afford such cut back of wages putting my daughter, wife and mother at risk of losing everything. Rime-Barred Debt is illegal to collect on by the FDCPA and the FTC. 

Amount of 25 % of my paycheck is going to a debt which became a tax write off for the bank and a profit for WINN LAW GROUP buying it pennies on a dollar. 

Total debt WINN LAW GROUP wants to collect of {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The card DISCOVER BANK filed a claim on me inXXXX,. I went to court it was discharged because. I didnot have income. On XX/XX/11 XXXX. Discover card filed a claim again this debt i XXXX XXXX XXXX. The letter states CONTINUING WRIT OF GANSHMENT AGAINST SALARY OR WAGES The case Company # is XXXX XXXX XXXX XXXX. XXXX/ Ky Toll # is XXXX XXXX. I stared receiving robot calls from # in that area in XXXX every day. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
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 credit monitoring alert that XXXX XXXX XXXX also listed as LAW OFFICES OF XXXX XXXX company added a collection account to my credit file on XXXX/XXXX/XXXX. I have never done business with this company nor have I ever signed any contracts, I have absolutely no knowledge of this debt, I never received a letter in the mail, and I have never done business with XXXX XXXX I which is listed on my credit file as the original creditor. I also never signed a contract with XXXX XXXX I. My information has been compromised several times in the past and has caused me a great deal of financial stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ). At the time she was seen under XXXX insurance with a prior authorization. The initial claim that was submitted was denied due to unbundling and upcoding of the medical claim by the XXXX 's. A resubmission at the lower bundled rate of {$1300.00} was resubmitted to XXXX by XXXX 's but was denied due to outdated primary insurance information. Due to the previous, but no longer relevant insurance, a third-party liability form was never sent to my residence for payment. Allied Collection Services Inc ( ACSI ) contacted me regarding an outstanding balance, but multiple checks of my credit revealed no outstanding balances. When contacted, XXXX at ACSI, provided limited information and demanded payment in full for {$2200.00} ( the higher unbundled rate ). After contacting XXXX this matter was resolved with XXXX paying XXXX 's the negotiated rate for services of {$530.00}. On XX/XX/2021, I received a call from XXXX at ACSI again demanding remittance for the unbundled rate of {$2200.00}. When explained that this has been paid by the insurance company XXXX became hostile, argumentative, and told me that it was impossible for it to be paid by the insurance company. Due to the behavior and attitude, I ask to speak to XXXX 's supervisor who became hostile and informed us that we were lying and that what had happened was impossible as insurance company 's never pay beyond 12 months. I have proof of the payment directly from the secure portal beneficiary login on XXXX but given the inappropriate actions by both ACSI and XXXX 's this merited further complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: TX
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:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2017-11-06
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well. 
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: BARCLAYS BANK DELAWARE
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:
Fraudulent 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 2022-03-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Diverse Funding Associates LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Starting on XX/XX/19 calls places to three different phone numbers with a message about being severed documents. Upon contacting company was told a server would be out at noon. Company proceeded to contact more numbers in regards to the issues. Company threatened that much legal trouble would result by not paying them. Tried calling again each representative use the same bully agrresive tactics. Lie and say no one has called and they havent talked to know one. Ask company info they say XXXX XXXX based out of California. Had to call original credit card company to get truthful information.

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 2017-11-06
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point. 

On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started. 

After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Choice Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX apparently sold someones MEDICAL account to Choice recoveryXXXX 
Its a violation of the hippa act and I want it REMOVED IMMEDIATELY. 
I also am beyond tired of the bureaus marking things as verified and placing them on my file. 
Under my legal rights I want a civil suit against any and everyone who furnished this illegal procedure to my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX {$2600.00} Closed 13 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2600.00} {$3800.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$690.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - On Time XXXX  Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements- Contact XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2017-11-06
Company: EQUIFAX, INC.
State: CA
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 submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. 

Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX AXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX

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 2017-11-06
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compliant : Sentry Credit XXXX XXXX XXXX XXXX, Wa XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : Sentry Credit account dates are : XXXX for {$710.00}. This amount is incorrect. I am requesting that the item be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-11-06
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: Account information incorrect

Complaint:
I have disputed the XXXX XXXX tradeline on my credit files with XXXX, XXXX and Experian as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. Experian reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new XXXX status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in XXXX - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, 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