BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Vengroff Williams, Inc
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Second look Inc his trying to collect a debt for XXXX XXXX that was found to be false and insurance fraud by the claimant. I have made several calls and by mail to stop the harassment of Second look for a claim I do not owe or do that have any judgment. The Alleged account number for the second look is XXXX XXXX # XXXX XXXX Second Look phone number is XXXX. 

Please fine this company for misuse of phone Comunicaciones and fraudulent mail after being constructively told to stop harassing me of money I do not owe them. 

Thank You XXXX 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 2016-06-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This vehicle has been paid off. I have made several attempts to obtain my title for the vehicle over the last several months and have not received it. The status on my credit report does not reflect as agreed. Account was to reflect paid in full. This car was sold with a false odometer statement and I have put less than XXXX miles on the vehicle since purchased 5 years ago due to mechanical issues. I got behind on payments earlier this year due to me having to purchase a more reliable vehicle. Tried to make several attempts to lower my payments with wells fargo by possibly refinancing the vehicle. My credit score was great but they would not refi due to me informing them I do n't know the actual mileage on the vehicle because I found out when I tried to trade it in the XXXX showed the miles were rolled back. This loan has caused me to go through financial hardship and tarnished my credit. Wells Fargo was not help with coming up with a solution or making any type of agreement to make payments affordable. I offered several options and they declined them all. Once I received my tax refund this year I called to pay the car off in full. I was told by the rep she could save me some money by settling for half the balance which I paid. I now feel like I was scammed. I have not received my title, and my credit report reflects the incorrect status. I have a big piece of junk sitting in my driveway I can not get rid of because I lack the title.

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 2016-08-20
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been deputing XXXX accounts from XXXX XXXX XXXX on Equifax for the last six months. It has been removed twice and then gets put back on within a month or 2. Tried to call and get them to correct but act like they ca n't understand what I 'm saying and have to repeat several times and get no where. I have attempted 3 times since it showed back up to get it redeleted and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: First Data Corporation
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX bank bounced out check to XXXX in XXXX 2016. XXXX uses TRS Recovery Services Inc to collect on all check issues.TRS has processed now twice a Pre Authorized Paymemt tbru our checking account now twice after sending us by mail a Letter for demand of the insufficient funds fee to be paid via credit card money order etc. 
TRS trying to collect the fee by numerous different ways seems like fraud to me along with this created document that the bank accepts as a preauthorized payment that we did not authorize. 
Furthermore the preauthorized document according to XXXX bank has numerous issues with it. Besides not being our check, having no signature or authorization on it, it is made payable to XXXX and TRS is not XXXX along with the coding number of this being a recurring charge for a membership. 
Lastly it was my understanding that by law no company can not collect more than the face value of a check via your checking account but this company seems to be legally doing that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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 Account # XXXX, has violated my rights. 

XXXX XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, 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

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 2022-04-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax to dispute inaccuracies on. my credit report with the following inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual! 

XXXX - XXXX XXXX XX/XX/XXXX -This inquiry was solicted as a soft pull by XXXX XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual XXXX XXXX  XX/XX/XXXX - This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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:
I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet Experian continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... XXXX   continues to report 2 charge offs with the same Student loan accounts ... .and XXXX continues to report these XXXX XXXX in the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!

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 2015-07-09
Company: The CMI Group, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a reverse mortgage in XXXX and everything was going well until I was unable to pay my property taxes. Wells Fargo paid my XXXX property taxes in the amount of {$710.00} ( I rounded the amount to the nearest dollar ). I received a letter two months ago stating I have 180 days to pay back the money or they are going to foreclose and put me out of my home. I am XXXX and in a lot of debt because my bills are greater than my income. I ad XXXX. I am widowed since XXXX. Please tell me what can I do to keep my home I have lived in since XXXX. Just please help me keep my home! Thank you. 
XXXX 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 2016-09-29
Company: Bonneville Billing and Collections
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was on vacation today and received an email from a co-worker I do n't know. XXXX XXXX from Bonneville Collections contacted my employer and identified herself as a collector to a co-worker. I received an email with the message, including XXXX XXXX from Bonneville Collections called XXXX. It 's extremely embarrassing because I do n't even know if this is a valid collection attempt as I 've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: RGS Financial, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Filed Bankruptcy XXXX/XXXX/2015, Discharge was XXXX/XXXX/2015, I a a co-signer on my children 's student loan with Wells Fargo who was listed as a creditor. Now after the discharge Wells Fargo starts to send mail and starts contacting me by phone again. In speaking with my attorney it was said that all creditors listed in the Bankruptcy was discharged. Wells Fargo states in a letter dated XXXX/XXXX/2015, that when signing the Loan Request/Consumer Credit Agreement I certified that the loans would be used to pay for qualified higher education expenses and under the rules of the XXXX Bankruptcy Code, loans for qualified higher education expenses are not automatically discharged in bankruptcy. From my understanding it was told to me by my attorney that private loans can be discharge which Well Fargo Bank is. I am not able to pay this debt this is my reason for filing Chapter XXXX. I do not want Wells Fargo contacting me under any circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
my wife received a " home projects '' credit card in the mail from Wells Fargo. 
she never asked for this, does not want it and does not want to do business with this disreputable company. we called XXXX and " XXXX '' told me he would reveal the name of the company who provided my wife 's name and address only if he spoke with her directly. when i handed the phone to her XXXX insisted on having the last XXXX digits of her Social Security number, which she refused to provide. we want Wells Fargo to erase this account and number and delete her name and address from their records, and to reveal their source for this 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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!

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 2021-04-21
Company: Experian Information Solutions Inc.
State: OH
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:
Incorrect information reporting on credit for Experian, XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX, appears on credit as XXXX XXXX XXXX XXXX XXXX incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-04-17
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019, I sent a check to Honda Financial Services in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
Honda has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by Honda Financial cashing the check for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is an account listed as in collections and past due by XXXX XXXX XXXX for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.

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 2016-07-25
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX an ambulance in XXXX Arizona has submitted a bill after 3 years. A medical bill I never took an ambulance, the statute has expired for any responsibility. Basically, the company is picking addresses and sending bills after 3 years, get a clue. This bill is not mine. Aggressive collection action has ensued.

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 2015-04-17
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 status incorrect

Complaint:
Law Firm never answers their phone, lawyer committed fraud by removing XXXX XXXX from the debt owed without the creditors permission nor serving me. 

As XXXX XXXX is also responsible as he was a resident. I have emails where XXXX XXXX ADMITS HE WOULD PAY THE AMOUNT IN FULL. 

LAWYER XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX ( friend of LAWYER XXXX XXXX AND XXXX XXXX removed him from any responsibilities. 

PAYMENT HAS BEEN MADE and HAVE NOT UPDATED CREDIT REPORT FOR MONTHS! INTEREST KEEPS ADDING. 

WHEN TRYING TO REACH THEM. THERE IS NO ANSWER.

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