BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: Eltman Law, P.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX County Court today. I have done research on the Plaintiff, XXXX XXXX and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX year old child on less than {$XXXX} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at XXXX time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been trying to dispute this debt on my credit report from a company called Trident Asset Management,, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with XXXX but XXXX claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked XXXX to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: COLLECTION SERVICES OF ATHENS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is an item placed on my credit report by Collection Services of  XXXX collecting for the original creditor : XXXX XXXX the alleged balance is {$210.00}. I am not aware of this account, I have no knowledge of it. I never received a notice from this company, written or otherwise in regards to this debt, they just placed it on my credit reports without my knowledge, nor was I given the opportunity to dispute this alleged debt pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act. I was denied my legal rights by federal 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : XXXX  is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2022-02-23
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-09-27
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Card is reporting a 30 day late on my credit reports. I have asked for a good will removal of this late payment several times since it is adversely affecting my credit and it was only a bit later than the 30 days. I have consistently made my payments on time prior to and after this late payment. They refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
See previous complaint # XXXX I was a victim of a scam that phished my business checking account with small charges to XXXX XXXX over 60 days with long periods between the charges. After the 60 days, large charges were made : XX/XX/2021 for {$590.00} followed by XX/XX/2021 for {$2500.00} and XX/XX/2021 for {$120.00}. I discovered the XX/XX/2021 charge and called Wells Fargo to report the fraud. I also discovered the two XX/XX/2021 charges that were " in process '' and had not yet posted to my account. These charges should have been rejected but were allowed to post on XX/XX/2021. Wells Fargo said that was normal and they would then be reversed. Wells Fargo did not reverse them. In addition these charges were allowed even though my debit card had been turned off AND there were insufficient funds in the account. In all there were XXXX XXXX XXXX charges made without a card present for a total of {$3500.00}. There were never any charges to XXXX XXXX approved by the owners of this account. Wells Fargo investigated my claim and denied all claims that occurred outside the 60 days per their policy. They returned {$45.00}. This account currently has a negative balance- {$770.00} To reiterate, while I understand the 60 day liability policy, the 3 charges on XX/XX/2021 and XX/XX/2021 should never been allowed to post ( unauthorized purchase, account disabled, insufficient funds and fraud reported ). Wells Fargo 's unethical business practices should be further investigated.

Also see my feedback to previous complaint as the Wells Fargo investigator failed to acknowledge my complaint fully.

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 2022-02-23
Company: EQUIFAX, INC.
State: IL
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 Fair Credit Reporting act Acceptance Now account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX  XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy Chapter 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX Account # XXXX and 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 an 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 2022-08-28
Company: EQUIFAX, INC.
State: VA
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:
Equifax is creating multiple data points, based off of outdated information in an attempt to be more credible than the two other credit reporting agencies & has affected my score to go down, with consistent and full-on time payments Credit Reporting Agency has closed over 30 disputes & has physically mailed me only ONE dispute - I have records of all disputes & their negligence to fix reporting is desperate at best

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.

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 2016-08-10
Company: Financial Credit Service, Inc.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX/XXXX/XXXX I received a letter from ARA, Inc stating I owed their debt collection agency more than {$12000.00} for an old debt from XXXX XXXX. I have a few accounts with XXXX XXXX that are all current, so I called XXXX XXXX to investigate as this is the first notice from any debt collector regarding this. XXXX XXXX advised me that the account listed on the notice was not a valid account with them. I had XXXX XXXX also check my social to see if there were any old accounts for me, which there are/were none. I spoke to several people within XXXX XXXX 's idenitity theft and fraud units. 
I called ARA, Inc at XXXX the next day and inititally spoke to XXXX XXXX. I explained that I believed they had some bad info on me as XXXX XXXX had no record of this debt. Also, that my credit was not very good back in XXXX and that none of the credit cards that I had at that time, gave me more than {$1500.00} credit. XXXX XXXX told me that the last digit on my XXXX XXXX account number on the notice from them was incorrect. XXXX XXXX placed me on a brief hold to 'verify this info ', and another woman XXXX XXXX picked up. I explained all of this to XXXX XXXX like I did to XXXX and XXXX XXXX told me that the original creditor was really XXXX Bank and that the credit card was mailed in XXXX to an old residence that I did not live at in XXXX. She said that the inflated debt was due to late fees, interest, and penalties, and she stated my SS # to me and that the debt was valid and then started yelling at me. She yelled at me that they would sue me in XXXX XXXX which I lived and then hung up on me. 
I spoke to the Fraud Unit at XXXX XXXX who put me in contact with XXXX to show that some Fraud activity on my credit may appear. I made a report with XXXX and I filed a complaint with the CFPB, my next step will be to contact my XXXX and the XXXX. I am sending ARA, Inc the sample letter on this website inquiring for more information from them regarding this debt. I mailed this letter today XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I try to apply for a credit card with capital one they keep showing a message stating that they can't approve me. The last time I knew they sold a debt that has nothing to do with them anymore. If I am denied I will file a suit in small claims court for discrimination. 
In addition, XXXX XXXX waived the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: UHG, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UHG I LLC, XXXX IL filed petition through XXXX XXXX XXXX in Missouri Court ( Independence ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to UHG I LLC. so now UHG is suing me for the money i didn't owed. 
XXXX now porting to XXXX  a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX  is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to contact AMSHER on a number of occasions, most notably in XXXX of 2020, but they repeatedly put on false debt collections under " XXXX XXXX XXXX '' I have never had an account with XXXX XXXX. When I contacted the company, they hang up or " attempt to transfer me '' before hanging up the phone. Please help me get this fraudulent company removed as it impacts not only my credit score but my ability to open a new credit card and get an apartmentall because of a false report on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Pohler and Associates, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013 I forgot to pay school taxes in the amount of {$170.00}. There was a tax lien put out, so I resolved it the following year when I paid my taxes. Although the issue was taken care of, I have still received phone calls and letters saying I still owe and it has accumulated interest. The total I 'm being told I owe is {$1300.00}, I recently looked at my credit score from XXXX and it shows that the tax lien was released. The lien shows up on XXXX, but there is no other information provided. The attorneys office that keeps calling me and mailing letters, are telling me there is no proof that I paid. And that I must pay the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Paypal Holdings, Inc
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was XXXX a bar for 6 months while the owner rested. I was misled into believing that I needed to pay the utilities and inventory. I did not have access to the business ' bank account and was not authorized or comfortable using the cash for the register, so I misled into thinking if I pay it I would be reimbursed, however I felt very uncomfortable and did some research with Hawaii State Liquor commission, what the owners were doing was not legal in the Boards eyes and they 've be called to a hearing to explain themselves. I paid the funds from my business debit card with XXXX and my Paypal business card as well as m personal debit card, Paypal and XXXX has closed my dispute with no resolution. 

Almost {$15000.00} dollars was taken from me and it has severely hurt my family 's livelihood. Their judgment was I authorized the charges there is no there is no case to dispute however I feel likeIt was falsely paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: IL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation