BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-07
Company: Rauch-Milliken International, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The office of XXXX XXXX has been contacting me over the past 3 months first claiming they were ready to go to court over a debt with the real yellow pages from XXXX after asking them to produce documentation of this debt they sent a unsigned contract with no history of payment or signatures to verify this debt XXXX XXXX was not the originators of this supposed contract and can not produce proper evidence of any contract being entered into I have explained my mental and physical issues with them and have requested they stop contacting me over this obvious scam for the amount of {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.

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 2022-06-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following Accounts, 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.

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

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

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, and ( XXXX XXXX Management Services Incorporated. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been working with Midland Credit Management , Inc since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from Midland Funding, LLC. I informed her that I never had a credit card through XXXX XXXX. So I contacted Midland Credit Management, Inc on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that Midland Funding, LLC sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to Midland Funding, LLC on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is 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 2017-09-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received offer for {$6000.00} Line of credit @ 0 % interest for 18 months. 3 % Balance transfer. None of my transfers are going through because none of my transfers are being paid. However my balance on my transferred account is showing only {$900.00} is available at this time even though the account was originally {$6000.00} This is the work of WELLSFARGO.

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 2022-06-12
Company: EQUIFAX, INC.
State: TN
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:
On XXXX XXXX my credit score went up on XXXX XXXX points from XXXX to XXXX and on XXXX XXXX my Equifax score went up XXXX points from XXXX on XX/XX/XXXX XXXX to XXXX on XXXX XXXX then my equifax score went down XXXX points on XXXX XXXX from XXXX to XXXX on XXXX XXXX no change then on XXXX XXXX my Equifax went down XXXX points to XXXX but it said they found no changes to my report on XX/XX/XXXX XXXX but on XXXX XXXX XXXX XXXX emailed and stated XXXX did a hard pull for XXXX XXXX which is now apart of XXXX XXXX  on my credit report they said XXXX was in the process of removing the hard pull from my credit and fixing the related impact to my score XXXX did remove the inquiry but they didn't restore my credit score back to where it was my score dropped XXXX points on XXXX XXXX from XXXX to XXXX all this happened after the inquiry they never fixed my score they added XXXX points to my score to raise it to XXXX i would like XXXX to fix my report back to where it was and i would like Equifax to restore my score and remove the collection on there from XXXX XXXX .. they keep saying its accurate and it isnt the account was opened in XXXX but they keep saying it was opened in XX/XX/XXXX i have proof that it was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via traditional news outlets. 

Going forward equifax should be required to monitor every account, add additional security & verification steps for any new activity, and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not a paid option given the magnitude of this breach. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, 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 : 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX {$200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

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

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The  repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed the below complaint and there is still no resolution from or with Bank Of America. 

I got a call from XXXX, he left no last name, an employee of Bank of America, XXXX, left me a message and the following number, XXXX ext. XXXX. 

When I call this number I am automatically transferred to another extension. I have called this number and extension several times and as of the writing of this complaint I have not gotten a call back from XXXX. 

I have a big financial dilemma on XX/XX/XXXX and the first of the month of XXXX, when ALL of my direct deposits will be rejected, because Bank of America plans to close my last checking account on XX/XX/XXXX, one day before my Social Security benefits direct deposit. 

Also, I have been embarrassed, while with my attorney, by my debit card being denied/rejected when trying to pay for my meal, even after XXXX attempts to charge for my meal. 

Also, I have tried to use my debit card at the BofA ATM machine and all the attempts were cancelled each time. 

I know that there is no way that I can make the changes to another bank in time to get my direct deposits, therefore ALL of my deposits will be returned to the depositors. 

As a XXXX Veteran, I will have a lot of bills and payments late and causing bad reports on my credit reports. 

One of the biggest issues is that Bank Of America CAN'T explain why someone can get into my account, make UNDETECTED direct deposits, and charge almost XXXX unapproved amounts to my account. My account is has been HACKED and Bank Of America can't STOP or EXPLAIN who and how my account is HACKED. 

Immediate assistance is needed. 

Thanks In advance, 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 monetary relief
Consumer complaint received 2019-01-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of my apartment at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX. The apartments are managed by XXXX XXXX XXXX. After move out, I received an invoice from a collection agency, IQ Data International, stating that I owe a balance of {$150.00} to XXXX XXXX. I contacted the apartment and received a copy of the ledger. I was inexplicably charged an additional weeks ' worth of rent beyond the lease termination date of XX/XX/XXXX. I was also charged for a carpet cleaning during that time frame, proving in essence, that the apartment was fully vacated. 

XXXX XXXX, through their attorney, responded that it was indeed their error, they apologized, and refunded me the rightful balance of the deposit due to me. 

IQ Data is still attempting to collect on the debt despite my submission via certified USPS mail that I disputed the debt with proof and also despite my submission of XXXX XXXX XXXX attorney 's letter to me. 

I need IQ Data to cease their illegal attempt of a debt I have disputed in writing via certified letter and provided proof that there was never a debt in the first place. I've attached a copy of the letter I mailed to IQ Data Inc, their original communication of the debt from XX/XX/XXXX, and XXXX XXXX XXXX attorney 's admission of the error by XXXX XXXX in the first place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: International Computer Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has harassed my company with asking for payment in the amount of {$210.00} for advertising not approved by me, the owner. After months of calls asking for payment and myself refusing to pay they have now filed a collection notice through First Collection Services with the creditor account number XXXX. Our rural area does n't even have XXXX. The collection notice as a date of XXXX XXXX, 2017 and asks for checks payable to XXXX, XXXX. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Genesis FS Card Services, Inc.
State: OK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Between XX/XX/2022 and XX/XX/2022 XXXX fraudulent {$100.00} XXXX  charges were placed on my Indigo Platinum Mastercard in XXXX XXXX, California. ( I do not reside in or near that state nor had I traveled there ). I hadn't used that card in almost a year, and I had fully paid it off. I noticed the charges when I received a statement balance in XXXX. I contacted Indigo Master Card to report the fraudulent charges, they told me they would note my account and submit the report to the fraud department, as well as close my account. They reported the investigation could take up to two months to fully complete. 

In XXXX I noticed despite the pending fraud report, they had reported a missed payment for the charges that impacted my credit score. Customer service reported that nothing could be done on their side until the investigation cleared and to reach out to a credit bureau. 

In mid XXXX, I still had not heard from them or seen changes to my statements, so I had called service for an update and they stated that my account had never been noted. They stated that the fraud department had closed my account so the investigation must still be pending, but there was no timeline on when I could expect it to be completed. The missed payments being reported are destroying my credit score, and after reporting them to XXXX it showed only XXXX 's to be cleared, and I still have a 90 day past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I applied in my bank to consolidate two credit cards. One is mine and the other other one is from my partner. We paid off the credit cards together due the fact the we both are working to refi our home. Capital One in XXXX cashed both check and only paid off one credit card. I submitted a claim and sent all the information provided by my bank and they are unwilling to process my claim and paid off the second credit card

Company response to consumer: Closed with explanation