BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On my TransUnion report there is a collection of {$450.00} by XXXX XXXX XXXX for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from XXXX XXXX XXXX, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.

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 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my account balance off before the accounts due date of XX/XX/XXXX and they are charging me {$62.00} in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine, does n't belong to me, no contract with company, is n't licensed in sc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: ZIONS BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The very weekday after I filed my third ( or fourth ) complaint against Zion 's Bank N.A. ( " Zion '' ) for unethical " stacking '' practices and unethical discretionary " overdraft approval '' and related charges, has done it again. 

I repeat, I don't have overdraft facilities with the bank. Therefore, every time the bank approves a transaction when the account has insufficient funds, such approval is purely discretionary. 

Once again, Zion has demonstrated its bad faith by charging {$64.00} for two ( 2 ) transactions amounting to less than {$16.00}. Once again, Zion was not obligated to approve these transactions. 

I respectfully pray for reimbursement of {$64.00} in Overdraft Fees and for treble damages for Zion 's bad faith conduct amounting to {$190.00} resulting in a total demand for {$250.00}

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 2018-02-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Step 1 : What is this complaint about? Violations of Rico Statue and State Usury Laws Step 2 : What type of problem are you having? 3rd party debt buyers elicit attempts to collect assumed debt as defined by law Step 3 : What happened? Debt buyers are failing to justify full collection of debt assumed. 

Step 4 : What company is this complaint about? THE FOLLOWING 3RD PARTY DEBT COLLECTORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Step 5 : Who are the people involved? Engaged each party individually to validate debt owed in XX/XX/2018. 

Summary compliant : 3rd Party Debt Buyers 1. Recourse is allowed under the premises the Debt Buyer has assumed total collection authority to recoup original amount owed although assuming the debt at a fraction of the cost. 
a. Debts are purchased as a portfolio of bad debt t ( > 7 % of the original debt owed ) b. A maximum of twice the usury rate can be collected per Federal law i. 27 % interest rate would be permissible in Delaware, as defined by the states usury laws. Midland, as a 3rd party debt buyer to a national bank, was not allowed to charge interest exceeding 27 % without a banking license c. I am now liable to a new company for an old debt. This included my portion of my debt plus collection expenses incurred 2. Without the 3rd party debt buyer pursuing a court action, no justification of the expenses can be made, surmounting to racketeering, reporting debt to all credit bureaus with an attempt to collect usurious interest. ( RICO Statue ) 3. Usury rate of 800+ % over the acquisition price of the debt, if no legal action warrants the full collection amount pursued. 

I am asking 3rd party debt buyers to justify expenses allowing for full collection of the debt incurred. In addition, Im also questioning, if a Debt Buyer has collected an amount greater than twice the usury rate over their acquisition price from other debts in the same portfolio, what justifies their continued pursuit. They would have made their money as they are legally entitled to do. 

Please investigate this matter further

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have been working extremely hard to raise my credit rating since a major natural disaster flood impacted my family and destroyed my credit in XX/XX/XXXX. Prior my credit was XXXX. Dropped to XXXX. Finally got it to " good '' XXXX in summer XX/XX/XXXX. Suddenly without explanation it dropped to XXXX and Fair rating. I called Transunion immediately after carefully reviewing my credit report and finding nothing wrong. I carefully went over all my credit cards to make sure no problems, none. The balances were lower in XX/XX/XXXX when my rating dropped than when it was higher. Talked to mortgage company, all ok there. Nothing discernible anywhere that would drop my score. Called Transunion again. They said a supervisor would call me back. I rescheduled my work day and waiting in my office for their call. They never did. That happened twice. Called again. Talked to a supervisor 's supervisor. They told me to call XXXX, it was their problem. XXXX said it was Transunion 's problem. Back and forth they sent me. I finally said I would not continue to spend many additional hours on phone. Had spent over 10 hrs talking to Transunion. According to XXXX, my credit utilization percentage is lower, I had no inquiries, no missed payments and an excellent 26 yr length of credit. All good reports. My credits cards are still high from the flood recovery but all are lower than previously when my credit rating was higher? Both Transunion and XXXX would not do anything and could not explain what dropped my score. I finally called you. Pls help me find out what has happened and why? I am about to retire and need to refinance my home to keep my home. I can not do that with a " fair '' credit rating. I have worked diligently to pay all on time.I am XXXX yrs old and am wondering if that is a influencing factor in XXXX and Transunions actions? 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
Consumer complaint received 2020-10-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me (
XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to  get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2018-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern : I have check my credit report and I have found an inconsistency on My credit file, inquiries on XX/XX/XXXX from XXXX XXXX ; XXXX XXXX DEALER S ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ), please verify these items by providing sufficient documentation showing that they belong to me, please provide original application with my signature on. According to the section 609 of the FCRA you have to provide one hundred percent accurate and one humdred percent verifiable information or you have to immediately remove this entry from my file. Be aware that law specify {$1000.00} per unverified item on a consumer credit file. 
Thank you in advance for you quick responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Weinberg Mediation Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have no idea who these people are. XXXX XXXX XXXX. Repeated computer calls. Asking for my XXXX year old son who hasn't lived here in over 30 years. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX  While XXXX debt collection may be a legitimate company, the loan itself does not exist and has never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't know about a debt when applying for a loan. I found First Point Collections had filed a past-due medical collection. Once they verified it was mine, I told them I would be happy to pay it, but I wanted the entry removed from my credit reports. They said the most they would do is mark it as paid but not remove it. I would like to pay this bill, then have it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: American Accounts & Advisers, Inc.
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:
When I contacted American Accounts Advisors, I requested they validate the debt pursuant to The Fair Credit Re [ porting Act as well as The Fair Debt Collection Practices Act. American Accounts Advisors refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the reporting of this account because it has been reported twice on my credit report. The company and all three credit report agency refuse to fix it. I need someone to help get this corrected. Please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy still showing from XXXX. Have asked twice for it to be removed and received no consideration. As of now the bankruptcy still shows

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account that was reported to my XXXX credit report by Midwest Recovery Systems in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to XXXX XXXX and was re assigned to Midwest Recovery Systems and reported to XXXX. I contacted Midwest Recovery Systems today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This item has been on my credit report for a few years. I have never received anything from them as to what this is for or who the original creditor is and why I owe them. I have even disputed this with the CRA 's. This negatively impacted my credit score, and has made it extremely difficult to rent a place to live.

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 2019-08-27
Company: EQUIFAX, INC.
State: PA
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 have submitted numerous disputes with XXXX, Exquifax and XXXX regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly told this company this is NOT my debt. They keep telling me that this is all of my info and I keep telling them this is what happens when there is IDENTITY THEFT. They are rude, call numbers that should NOT, do not follow all of the laws of collections when they are advised of identity theft. I have advised them before and asked them if they would like a copy of my police report and I always receive a response but nothing to follow behind that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I just noticed that they started a foreclosure action before 120 days. They did an illegal act against me as a consumer. M & T Bank.

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 2018-10-25
Company: Southwest Credit Systems, L.P.
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:
There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX  are this XXXX XXXX XXXX XXXX XXXX  as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This creditor is attempting to illegally reage this account. Last payment shows made XX/XX/XXXX, this false. 

One Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Second Account Shows past due amount of {$1600.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Third Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

All of this information is false. 
No 2yr payment history is reported on XXXX so how was this account legally verifed as accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: AL
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:
Equifax is reporting an account that doesn't belong on my credit file and credit report. I have contacted Equifax by certified mail to have this account deleted immediately. They have not complied. They have violated several laws in Secton 609 ( a ) ( 1 ) ( A ) in the process. The account is listed below : Account Name - XXXX XXXX Account Number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a HUD program for 10 years I had a XXXX in 2018 and HUD paid the mortgage for me. 
The bank is saying they have not received a payment from myself nor HUD which is untrue. My HUD counselor showed me where money is going to my account at the bank but the bank said they dont have any money from HUD to my account. 
I need help I have been reaching out to someone anyone for two years now. Im having to file bankruptcy for over XXXX. XXXX I dont have. 
I hope this letter get to the right person, I have email three different people today so I can get help for my family and I can keep our home.

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 2018-10-25
Company: PRESTIGE FINANCIAL SERVICES 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with Prestige Financial, XX/XX/XXXX,XX/XX/XXXXfrom XXXX XXXX. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX.

I have tried to contact XXXX XXXX XXXX  to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased.

XXXX XXXX runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.

Company response to consumer: Closed with explanation