BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: Account Discovery Systems, LLC
State: NJ
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:
Received a voice mail at my place of employment from ( XXXX ) XXXX on XXXX XXXX, 2015 at XXXX. Message was " This is XXXX XXXX ( Spelling? ) you were listed as a contact for XXXX XXXX. If you can give me a call back my number is ( XXXX ) XXXX. First of all XXXX XXXX is my ex-sister-in-law going back XXXX years ago. Second of all she never listed me as a contact and doesnt even know my work number. I called this number back and advised them to never call my employer again and told them I am not affiliated with XXXX XXXX. I did private message her on XXXX to advise her of this call and she was going to call them. How dare they call me about someone else 's debt. How dare they call my phone at work. They lied when they said she listed me as a contact. She never did. We have no contact outside of the private message I sent her about this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland funding LLC garnished my wages at XXXX XXXX  on XX/XX/XXXX for outstanding credit card debt. The initial small claims was dated XX/XX/XXXX. Also it was documented that XXXX XXXX my fianc was served with papers on behalf of me. He was a boyfriend. I would think they would need to serve the defendant in question not another person? Also that it was served by the XXXX XXXX XXXX XXXX. I lived in XXXX XXXX at the time. Also that it had been over 2 years in duration since the initial filing. I was not aware I could have my wages garnished for CC debt? Also what cost XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This man by the name of XXXX was borderline aggressive and rude. After picking up the call, he assumed he was speaking to the debtor which he was not. I asked him to give me his contact information, and he just replied by claiming that I was in deed the debtor. At this time, I again stated I was not and repeated for him to give me the name of the company he was calling on behalf of, and he responded by again repeating the debtors name. I informed him that this number has been calling this residence non-stop and if he could provide me with the company he was representing. He replied that I did n't need to know this and not to concern myself. I ended the conversation by telling the agent that he was Very rude and he should brush up on his communication skills when calling someones home and that he should ask instead of accuse people of being another person. It is Ridiculous how some companies are allowed to treat consumers in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Valarity, LLC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XX/XX/XXXX XXXX XXXX, XXXX As a 100 % rated XXXX veteran I qualify for XXXX medical care at a non-VA facility under CFR 38 1752. XXXX Care coordinator XXXX XXXX contacted the XXXX XXXX VA medical center and received both verbal and written authorization for my care as a VA patient and not a private citizen. Such authorization automatically denotes the VA medical center as the billing entity, not the patient. 

Since XX/XX/XXXX I have repeatedly written both the VA and the multiple agencies of the XXXX XXXX XXXX in an attempt to insure that the costs of this hospitalization is paid. To date, I continue to receive collection notices, to which I immediately respond. 

Today ( XX/XX/XXXX XXXX I was denied credit because a collection agency XXXX had reported to XXXX Credit Bureau XXXX XXXX XXXX items of collection. This agency is unknown to me and in no manner have ever communicated with me, either in writing or by tele-communications. I was never afforded the opportunity to dispute the items they purchased for collection which I deem to be in direct violation of FDCRA and malicious in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY COMPLAINT IS AGAINT BULL CITY FINANCIAL SOLUTIONS! 

They have posted several times on my credit reports and I lived abroad from XXXX, so its impossible for them to have put this on my credit. I then found out in 2016 from the IRS that my identity was stolen, however the IRS does not tell you the details of the investigation only that its resolved or not. Throughout the years they have no been able to provide proof to verify, and I have never entered any contracts with them. They also have posted the same bills 2 or 3 times with same amounts on my credit reports. IF this does not get resolved immediately I am seeking legal action as this has affected my life. I have a passport to prove i live out of the country as well as several articles written about me in the country I lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Have taken my Electronic transfer SAVING ACCOUNTS and Checking accounts and along with all the funds that I have earned XX/XX/XXXX XX/XX/XXXX My investments accounts are now in jeopardy because of this incident. Which is a managing problems not a consumer situation. hopefully this will come to an end and everything will go back to normal, can't even access my normal savings account under this diligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Reporting company used your report improperly

Complaint:
Experian is defaming my character, I am submitting this complaint on my own behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/2016 I contacted ACS regarding incorrect credit reporting. I was advised it was corrected. I pulled my credit reports today from all bureaus and it is showing 120 days past due as of XX/XX/2016. My account was in deferment during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Financial Corporation of America
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
someone called looking for me and said they were leaving a private message.and I should call this number if it is in error. XXXX XXXX XXXX. The body of the message said " This is Financial Corp of America attempting to collect a debt. " I do n't owe anyone anything. The number then left was XXXX, which is the number recorded on my caller id with a name of " unavailable ''. Furthermore I have n't received anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Investment Retrievers, Inc.
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX 2011, I was involved in a car accident. The car was financed by XXXX. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from XXXX about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My primary mortgage has a foreclosure sale date, I am trying to do a short sale but Washington Federal will not work with my Realtor/agent. They refuse to even give a fax number for her to work with them on the short sale.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 a account without my writing 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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} TRANSUNION : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX PXXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00}

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 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Capital one account # XXXX in regards to the lates reported for the following months XXXX, XXXX XXXX and XX/XX/2020. Due to Covid I was having a hard time getting these payments made. I hope you can help me out based on the CARES ACT and update these to not reported in the above months. I am trying to maintain good payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was a debt of {$1900.00} being reported by XXXX on my credit report it was removed in XX/XX/2016 under a company called XXXX now it is appearing back on my credit report under the name Solomon and Solomon for the same account that has already been removed. I have disputed this numerous times with the credit bureaus with no changes made. What can be done to correct this it is hurting my score. I 'm sure I 'm not the only one this has happened to. Is it legal under the FCRA.?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2016-09-28
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Credit Plus Inc
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Old information reappears or never goes away

Complaint:
i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts EQUIFAX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX sold my mortgage loan to SLS ( Specialized Loan Servicing ). My payment amount keeps increasing. They say it is because I have an ARM loan and there was a deficit in my escrow account of {$910.00}. Originally, it was {$1800.00} back in XX/XX/2015. I was told they would divide this amount by 12 months and that would be added on to my original payment ( the last payment was {$1200.00} ) which would be {$82.00}. I have paid this since XX/XX/XXXX and now I receive a letter that says I still owe the original {$910.00} from XX/XX/XXXX and NOT pay this on the monthly payment!!! 
This can not be because of the ARM interest going up every month. Not that much. 
I have only received 2 late payment coupons but not received a payment invoice, coupon, etc. from them yet, I have called asking for one since the inception of the loan. I just send a check to an address in Colorado. 
I am XXXX years old and my social security does n't even cover the original amount of the payment let alone all the increases. My credit is bad so I can not go get another loan but have always made my mortgage payments on time for XXXX years except to these people because I send the wrong amount not knowing what the right one is. 
Please help me. I do not know what to do.

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