BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX th I received a call from caller restricted, and I thought it was the police so I answered it ended up being Midland credit management a debt collection agency. I had XXXX person talking to me about my debt, and then another person who claims she was A XXXX jumped on the call because I was in pre-legal status, and they wanted her on the call because it was serious. She continued to threaten that my credit would be harmed that I would be sued despite my saying that I had a XXXX  XXXX, who was requesting physical proof that I owe this debt before he negotiated, she proceeded to continue to threaten, harass and argue with me and claim that they sent XXXX letters through the USPS that I have not received. She asked me what I wanted them to do because I have not received letters they sent that is not on me that is on the debt collection agency to provide the burden of proof that I owe them this debt. She continued to threaten to sue me for my supplemental security income and my student loans both of which are untouchable cuz I know my rights due to my XXXX  XXXX informing me that those sources are legally untouchable and I told her as much and then she proceeded to start to tell me you know what so I immediately ended the conversation by telling her all future contact will need to go through my XXXX  XXXX and my XXXX  XXXX has said there will be no future contact if they can not provide physical proof I owe this debt which they have failed to do so to date. I am not responsible for the usps failure to deliver their letters if they actually mailed them. It is not on me to provide my own proof of debt when I specifically requested the company provide physical proof I owe this debt at the request of my XXXX XXXX. My old XXXX XXXX also received a call a month ago from midland credit management threatening to sue over debt but they never identified the client they were calling about but she informed all her previous clients she knew may have debt due to pandemic issues. Please investigate midland credit management for harassment, threats of lawsuit, or seizing bank accounts of people who receive supplemental security, income and student loans and threats of credit harm when refusing to provide physical proof to the client, they owed the debt at the request of the clients s XXXX XXXX. I refuse to be bullied by debt collectors trying to take advantage of people with XXXX and not follow laws laid out for debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Friday XX/XX/XXXX, I tried to use my HSBC Credit Card and it did not work. When I called to understand whats going on the Fraud Prevention Team hold me in the phone for XXXX hours! and finally a supervisor whose name was XXXX told me that since I do not have a checking account with HSBC, they decided to close my account. Then I opened a checking account and a savings account immediately and got an appointment from your local branch to open a brokerage account to bank with HSBC. My credit card was reinstated immediately and I was able to make a purchase. Then, yesterday on XX/XX/XXXX, someone else with a very limited XXXX called me and told me that he decided to close my account. He hang up the phone on me. Rudest agent evet. My account was already reinstated after opening all the required checking/savings accounts and talking to the initial supervisor. But yesterday, the other agent maybe was not aware of our progress and made a mistake. At this point, I did not do anything wrong and did all the required things bank asked me. Please reinstate my credit card. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  has continued to resell fraudulent debt dating back to 2017 to various collection companies and continues although the debt is fraud and every debt collector has received all my police reports over and over again. I just received a letter stating debt was sold to resurgent who also has circled back around. I just don't understand how this is allowed. This company really should be fined for violating consumer rights. I get notified daily on my credit and accounts added. Addresses wrong etc. The cycle continues to repeat itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I discovered four XXXX transfers had occurred from my checking account on or about XX/XX/XXXX. I called USAA and advised them I had not authorized these transfers. USAA advised me they didnt believe fraud had occurred and if it had, it was my fault. I did everything they instructed me to i.e. change passwords, use a different email, and deactivated XXXX. This has now happened 2 more times, the worst of which occurred on XX/XX/XXXX whereas XXXX  XXXX was transferred out of my account via XXXX in a matter of 6 hours. I requested the fraud department research this and was advised that the fraud department found no fraud occurred. I asked how they came to this conclusion and was advised that information is internal and does not get shared with the account holder. I asked how XXXX got reactivated on my account and was again advised everything that happened was my doing. What Im very confused about is per the USAA website, only 3 XXXX transfers are allowed in a 24 hour period and a maximum of {$1000.00} in a 24 hour period. USAA will not address this with me. I did everything USAA told me to do to protect my account but it didnt work. I was so relieved when I found the 3 a day/ {$1000.00} max rule per USAAs site yet each time I bring this up, they act as if they have no idea this is plainly stated on their website. Many people are having these same issues and USAA is firing customers daily so they dont have to deal with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services is attempting to collect a debt on behalf of XXXX XXXX XXXX. which sold the contract or debt to their company. I owe Resurgent no debt and we do not have a contract or an agreement. also they are reporting on my credit report i owe the debt to them. this is illegal and fraud activity by Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Resurgent Capital Services is saying i woe them a debt. that they have bought from another company. I have no contract with this company. they have sent me litters for debt which is illegal 39 U.S.C 3001 nonmailable act. which is illegal to send a debt through the mail. I never signed any agreement or contract with Resurgent Capital Services. who has claimed to buy the debt from another company. this is a debt collection company I do not owe any debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
In accordance with the fair credit reporting act XXXX Account, Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Capital One has been Charged off but is still reporting derogatory and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. This is account is not reporting accurately to 2 to the bureaus.

They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They always take like a week to have my deposit available, and they charge XXXX fee for overdraft almost the same day...

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 2023-06-13
Company: Dynamic Recovery Solutions, LLC
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:
I am in receipt of Dynamic Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$730.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Dynamic Recovery Solutions & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Dynamic Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Dynamic Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Dynamic Recovery Solutions letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Dynamic Recovery Solutions has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CCF Intermediate Holdings 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 sue you for very old debt

Complaint:
I have been receiving phone calls from XXXX XXXX XXXX, who claim to be acting on the behalf of CheckSmart, since XX/XX/XXXX. They said that they were hired by the company to settle a debt from XXXX, before it'd go to court for me to be sued for the amount supposedly owed. 

In the several phone calls that I have received and answered, I was told that the creditor had taken this matter court and that I would be prosecuted for fraud if I didn't settle. When I heard the representative say that it was taken to court, I asked where, and was told in Ohio. I asked for the claim number and was then told that it Could be taken to court but that it hadn't yet, and that the only way to stop that from happening was to pay the debt. 

In every single phone call I disputed the validity of the debt and requested verification, ON SEVERAL OCCASSIONS FROM SEVERAL REPRESENTATIVES. In a conversation with a XXXX, who claimed to be the manager, I asked to be sent the verification via email, and instead, on XX/XX/XXXX, I was sent a link of a PDF letter that again claimed a debt was owed, with no actual verification of the debt provided. The most recent call with the same manager, XXXX, I once again requested the same verification as from before. This time he told me that he didn't have that verification, and that the creditor he was collecting debt for hadn't given it to him either, so there was nothing that he could send to me about it. I then asked from what was he was basing his collection of debt from, and he tried explaining to me how debt purchasing goes between a creditor and a collection agency like his. 

I became irate at the fact that this company, XXXX, and its representatives had been calling me for months, multiple times a day, making claims of fraud and threatening to sue me in court, were doing so without having the verification of the debt they were referring to in the first place. 

Nothing, so far, has hit my credit profile, and aside from the link to their portal to make payments, nothing has been to sent any of my addresses ( email or physical ) as it relates to this supposed debt owed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Palm Beach Credit Adjustors, Inc
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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE XXXX XXXX FOCUS FIN XXXX FOCUS FIN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FIN XXXX FOCUS FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company TRANSWORLD SYSTEM INC is alleging that I owe a debt that has not only not been proven to be mine what so ever but also they have no jurisdiction to collect this alleged debt in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2018-10-15
Company: Experian Information Solutions Inc.
State: MA
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 have a credit freeze on my Experian account and have been trying to change my PIN due to their recent breach. I have tried calling Experian, and have entered much personal information on the phone, but all I get is a dead end with no option to change my PIN.

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