BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2020-04-10
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: Information belongs to someone else

Complaint:
Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.

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 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Somebody opened bank accounts with my identification.

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 2020-04-10
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I lost about {$800.00} dollars from cashapp. I trusted this website to make and keep family and friends payment secure and safe but they decided to close my account and take all my money in it rather than contacting me about the issue and trying to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a credit card first from XXXX who sold it to XXXX XXXX. I disputed the charges and told them I did n't owe that much. The next thing I knew they went out of business and XXXX took it over. I disputed it to XXXX, then midland funding took it over I disputed it to them. I tried everything to get them to understand but it did n't matter how many times I talked to them they continually ignored what I tried to tell them. I asked for an account of all the purchases that were made from them all so I could see why they were charging me so much but was refused by all. midland funding promised to send it but instead filed a suit against me in court. This was after they promised to send me copies but never did. I sent certified and registered letters to them and was told they had 30 days to respond but, they never did. In XX/XX/XXXX I received papers from the court. I was told I needed to file an answer. I filed it and was told it would go to arbitration. They said I would here from the lawyer chosen within a couple weeks and that I would have a date for arbitration by XXXX XXXX. I did not hear from him until XXXX XXXX and he gave me 2 days to send him the money. ( {$500.00} ) During that wait time I received a couple more letters from midlands lawyer that I did not understand but had no more money for another lawyer and thought I would see them in arbitration. I then received notice that I had lost and there would be no arbitration shortly after I send the money. When I sent the money I told him the day he picked was fine and that I just needed a time so I could let my work no. I received a letter ( copy ) saying that I stated the date was not good for me which, was a lie. That was after not hearing from him in the time I was told I would. I believe he had already made up his mind before he sent me the letter to send him money. I never dreamed I would be denied arbitration. The lawyer that drew up the answer asked again for a list of purchases and told me if they did n't produce them then they could n't win. They did an end run on me to keep from producing them. I have been literally sick from all of this it is like talking to a wall with these guys. I t seems as all they see is dollar signs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : $ XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the date of receipt.

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 2017-11-02
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.

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 2020-04-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account with Chase in XXXX XXXX located at XXXX XXXX XXXX. In the past week I was alarmed this morning that I had insufficient charges on my account from two days ago. I called Chase immediately and was told that the XXXX charges of insufficient charges totally {$170.00} were charged via debit card transactions. I set up my account to not go through when there are no available funds, however Chase allowed multiple charges to go through instead of declining the debit transactions. I verified that these charges made were strictly debit point of sale in person charges and not reoccurring or check charges which are exempt. I asked for a reversal due to this glitch and my request was denied to have all XXXX charges reversed. The XXXX representative did reverse XXXX which were her capacity and limit and she referred me on to a manager to assist with the other XXXX charges, but the XXXX supervisors I spoke to were unable to do so. In the process of making the request the first supervisor was rather rude. However, I feel this is an excessive amount of charges to charge a customer. It appears as if they are trying to deliberately make money with the insufficient charges, but why on earth are they charging me for money not in my account - this is highway robbery!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I called Flagstar Bank to resume payments from the forbearance. They let me know that I qualified for the deferred back payment plan. They instructed me that I will be receiving the paperwork within 2 weeks and to notarize it and send back with payment. I contacted them again with the 2 weeks and they said it has not gone out yet but I should be receiving it shortly. Then I called them again on XX/XX/XXXX and was told the same thing. I called seveal time in XX/XX/XXXX and XX/XX/XXXX and the continue to be stalled and say they are still doing the title search. This went on for two months. I called them a total of 13 times. Then on XX/XX/XXXX they said there was a mistake and I have to start the process over again. So I started the process over again and they stated that I will be receiving the paperwork within 12 days but once again I still have not gotten any paperwork for the deferred payment ( I forgot the name they called the deferred payments at the back of the mortgage ). Nor have anyone ever reached out to me concerning this matter. But they would give me mortgage statements saying I am in default and the total amount due.

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 2017-09-24
Company: EQUIFAX, INC.
State: TX
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:
Equifax says my personal information was likely stolen in their recent hack. I never agreed to such a disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Shellpoint Partners, LLC
State: GA
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 am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Please  remove these inquiries from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved from XXXX XX/XX/XXXX to XXXX. I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX. I had all of my services turned off at my old residence in Alabama after moving XX/XX/XXXX. XX/XX/XXXX, I was contacted by a debt collection agency Transworld Systems , Inc. stating they purchased debt from XXXX XXXX XXXX in the amount of {$160.00} that was dated from XX/XX/XXXX until XX/XX/XXXX. I explained that I did not live there during that time, as I moved to XXXX. They were rude and continued to harass me stating that this is my debt and I was obligated to pay. They began to call my cell phone incessantly and then found my home phone number and began to do the same. When I continued to insist that I did not owe the debt, they stated if I could prove I did not owe it, they would stop harassing me. So, I sent them proof that I had services in XXXX in the form of a letter from XXXX noting when I started service in XXXX and when that service ended, i.e. XX/XX/XXXX until XX/XX/XXXX. I thought that would stop the harassment, but it has not. They are now sending me letters stating that I needed to settle a debt I do not owe. The letter indicates that they are monitoring my credit to see when an inquiry is made. The letter uses intimidation tactics and states, " We hope that you are now in a better position to pay the above account ( s ). ". I do n't owe money to XXXX XXXX XXXX or Transworld, and I am not obligated to pay for services I did not receive. They are invading my privacy and utilizing my personal identifying information unlawfully by monitoring my credit actions and possibly lowering my credit worthiness by suggesting I am severely delinquent for a debt I do not owe. Your assistance in this matter is greatly appreciated. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company by the name of Midland Credit Management , Inc., of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a XXXX BankXXXX account was sold to them on XXXX. I wrote them back that I had never had an account with XXXX and had never received any requests for payment from a XXXX Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or XXXX, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Aqua Finance, Inc.
State: NV
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:
I pulled my XXXX recently and noticed that Aqua Finance reported me late in XX/XX/2023 on my pool loan. I have never missed a payment. If I recall correctly, i contacted them via phone to change my due date as it was set for the XXXX but kept coming out prior to the XXXX which caused banking issues. The rep over the phone agreed to move it to the XXXX of the month but the rep failed to do so, which apparently caused a late payment in the system. 

This isn't correct and I urge compliance to pull the calls and review this claim. This report to my XXXX is false and needs to be removed and marked as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX, has violated my rights. 

15 U.S.C 1681 602 A. States I have the right to privacy. 

15 U. S. C 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2017-12-27
Company: CCI Financial, Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX from XXXX XXXX keeps calling me at work after I told her numerous times to stop, including an email. She tells my employer that I need to pay my payday loan off. This is embarrassing and causing problems at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I started a gym membership with  XXXX   XXXX . I was detailed out of town fo r 60-days, and since the gym membership was {$140.00} per month, I tried to cancel my membership. The manager said that I could not cancel my membership in person, and could only do so by sending a certified letter with 30-day notice. I did thi s in  XXXX . I also asked my bank to stop payment. In early  XXXX  the bank stopped the payment, but  XXXX  used a different company nam e ( a vari ation ) to withdraw the payment. I filed a claim with the bank, but they said there is nothing I can do. I called the manager at  XXXX  and demanded they stop, and they said that I would have to send another certified letter. I filed a fraudulent claim with the bank, but the bank reports there is nothing they can do if  XXXX  uses a different name.     I am not authorizing them to withdraw money from my account. They must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: VA
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 XXXX, has violated my rights. 

15 U.S.C 1681 602 A. States I have the right to privacy.

15 U. S. C 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation