BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was sent a collection of date to verify within 30 days in XXXX of XXXX from Evergreen Professional. Sent letter out XXXX the week of XXXX - XXXX. to verify the debt. I had waited over 60 days to get letters from Evergreen Professional that it was valid of not and had not heard from them. Certified mail card that I wanted signed to get back to me was signed on XX/XX/XXXX by " A ''. 

By the over 60 date mark of not hearing back - I sent a letter that they must terminate the collection because it wasn't validated and included the estoppel by silenced and since no such proof existed- they had to delete all of the collection debt they requested in the first place. That was signed by " A '' once again on XX/XX/XXXX. They had 15 days ( calendar ) to do so. 

I haven't heard from them until they sent a letter basically requesting that they haven't heard from me and now assume the debt is valid and if I didn't respond by XX/XX/XXXX that they seek the legal representation route. I'm in the process of sending everything I sent them ( copies ) with the fact that I've reported them to CFPB, FTC and kept my documents just in case it goes further. 

I haven't seen anything from them saying its my debt, the bureau 's didn't even send anything towards me either and I have reached out many times to them to validate it. I even have notes on the debt that is getting reported that I'm seeking validation on the so called debt I owe.

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 2022-08-31
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 have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. 

Please see attached,

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 2022-08-31
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not all payments were reported. Payment in full not reported as my maximum balance of credit card was {$300.00}. Plus, I paid more than that. Still not removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Empowerment Ventures, LLC
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a visa Rushcard and they let some scammer steal {$100.00} last year and will not XXXX my money back. Then this year they denied to return my {$100.00} that XXXX stole from me for a supposed deposit for service/installation that I never received. That is all illegal and a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so baffled about this situation! As anticipated, CFPB and TRANSUNION have ignored my request YET AGAIN for REMOVAL of the account below which is not mine. You guys seem like a lot of passing the blame or no accountability. Well whatever the reason, I'm beyond disturbed. I have provided all you need from my personal information to my FTC and Police Report which I have filed, but nothing has altered. Now tell me, are you playing around?! Coz let me notify you that you are NOT OBEYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or ELIMINATE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those evidences? NOT A BIT! You have provided ZERO PROVABLE PROOF! I dont want to be so horrible, but please FOLLOW THE LAW! COMLY WITH IT AND REMOVE THIS ACCOUNT INSTANTLY! 

XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: WI
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:
There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.

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 2016-09-14
Company: Columbia Collectors Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
They levied my bank account, without notice. Took monies from my account an my XXXX old son 's account that is attached to my name due to he is a minor. I had payment plans of {$75.00} a month, they said when I called after attacking my bank account an my son 's that they had a problem deducting the {$75.00} which I find interesting considering they just depleting my accounts. They did n't notify me of this issue an stated my mom answered my phone and that it was n't my number anymore but did n't leave a message with her or my voice mail of the issue of taking {$75.00}. They financially devastated me, no monies to feed my kids, gas to go to work, caused checks written prior to funds being taking to bounce like my kids school pictures. I had to tell my son who worked hard all summer to have his own monie that this company took his money. They would n't stop the payment, I said " I had no problems making the {$75.00} '' XXXX XXXX stated at Columbia collections, " I had no problems with that payment either. '' I said I wanted to continue making payments, he stated I had to call him by XX/XX/XXXX. with a plan, I asked what plan, he said a plan or they would do it again. I stated I wanted to continue the payment plan, he stated again to call him by XX/XX/XXXX. They couldn ; 't of had a problem taking the {$75.00} a month. They had access to wipe me out!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Mutual Management Services LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am requesting that this claim be removed from my credit report. 
I never received documentation on this claim from Mutual Management. I have XXXX debt collection agencies requiring payment for the same claim originally made in 2010 and sold to Mutual Management SR by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM originally made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued Mutual Management SR seeking documentation on the claim. These are the steps I have taken with Mutual Management SR : 1. I have not received any documentation on the claim from Mutual Management SR, they are required to send me documentation of the details of the claim made. 
2. I called Mutual Management SR home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation on claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted XXXX XXXX XXXX over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. I have never agreed to this collection claim. 
The original claim made by XXXX XXXX was erroneous and XXXX XXXX XXXX was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you

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
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is 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 non-monetary relief
Consumer complaint received 2018-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Despite several requests to Bank of America, in addition to the credit reporting agencies of XXXX, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. Bank of America account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 2017-05-25
Company: National Credit 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:
I am a victim of identity theft a nd National Credit System is tryin g to collect on the debt below that is not mine. I have asked that the debt be validated per the Fair Deb t Collection Act t wice via certified mail with no respons e. National Credit System c an not provide my signature for this debt as afforded by federal law per the Fair Debt Collectio n Act. National Credit Systems   XXXX   XXXX   XXXX   XXXX , Georgia  XXXX  RE : Account #  XXXX /Balance : {$220.00} /Original Creditor :  XXXX  on  XXXX   .       National Credit Systems  has failed to provide the following information needed to validate this debt : Proof I agreed to this debt with my sig nature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the origin al creditor Proof you are legally licensed ( b onded and insured if applicable ) to collect this debt in my state For verification purposes, I will need your business license number ( s ) If signatures showing where I agreed to this debt can not be provided, I am not liable for this debt and this information should be removed from my credit profile immediately. If National Credit Systems can not comply with federal law, I will have to contact my state attorney general with all co rrespondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
hi! 
THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS! 


NOTHING BUT BLATANT FRAUD ON THIER PART,  AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, HELP!

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 2017-05-25
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: Account information incorrect

Complaint:
To whom this  may  concern I 've faxed and emailed Equifax regarding my correct name on my credit report on  XXXX   XXXX ,    2017  also  XXXX   XXXX ,  2017  also  XXXX   XXXX ,  2017 . Included with the fax and certified mail to Equifax was a copy of my Identification and Social Security Card. Every month Equifax updates my name as  XXXX   XXXX   XXXX   XXXX . I have no  XXXX  on my name I 'm a Woman. This error is coming from a old debt collector which is  XXXX . I 've called  XXXX  and they always disconnect the line.  XXXX  is listing inaccurate information on my credit report its stating a charge off and the old account has been transferred to  XXXX  and paid and  XXXX  was the original creditor and they havent changed the information on my credit file. They are reporting my name wrong also to Equifax as  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AARGON is reporting a medical collection on my credit report that they have re-aged in an effort to do damage to my credit and thus force me to pay them when I am in dispute. It is a medical bill that my insurance company was billed and they paid. I do not understand why they feel their is still a balance. I have asked for an itemized accounting of the bill many times but never have received it. They have not validated the debt yet they are reporting it, re-aging it, and it is a duplicate. They are also reporting it under " XXXX '' on my report as opening XX/XX/XXXX. So to summarize they have never attempted to validate this debt despite my disputes, have re-aged and duplicated this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
ASSET ACCEPTANCE , LLC & MCM FINALLY SETTLED COMPLIANT, BUT FAILED TO ADD MONETARY GAIN. I HAVE ADDED XXXX XXXX TO COMPLIANT ALONG WITH TCPA! SEE ATTACHED ) PHONE RECORDS ... .THET ARE VIOLATORS OF SEVERAL NEW CHARGES, PLEAE REVIEW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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 never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021

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 2016-01-12
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist bank never sent me a debit card, for starters. The wait time on the phone is upwards of two hours and then you get hung up on. I deposited a check last week and it has yet to show up in my account, so basically they have stolen my money. They will not respond to me.

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