BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Vengroff Williams, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Vengroff Williams Inc., on XX/XX/2022. There is no date on the letter. According to USPS the date delivered is XX/XX/2022. 

Vengroff Williams Inc., is demanding money from me with intentions of damaging my credit scores. Vengroff Williams Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Vengroff Williams Inc., and I do not know how Vengroff Williams Inc., received my private medical information. Please be advised no consent to treat documents bare the name Vengroff Williams Inc., as Vengroff Williams Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Vengroff Williams Inc., received my validation notice via USPS mail. Vengroff Williams Inc., has been made aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Vengroff Williams Inc . 

I am not a party to any agreements that Vengroff Williams Inc., may or may not have with XXXX XXXX I am not responsible for Vengroff Williams Incs purchase / transfer from XXXX XXXX I have not agreed to pay/tender anything to Vengroff Williams Inc . 

On XX/XX/2022, XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc., mailed her/his/their/a version of an honorable reply to my validation notice. My validation notice was completely ignored. XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc provided proof of my HIPPA rights being violated. Due to the carelessness of XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc my private medical information is on display and this proves XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc violated my HIPPA rights. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Vengroff Williams Inc. At this time, I demand no further contact from any associate or authorized representative of Vengroff Williams Inc . 

All calls are recorded for my safety Please be advised that Vengroff Williams Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Brown and Joseph, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Attempting to collect my social security XXXX XXXX  for my long term insurance company XXXX XXXX. I haven't received back pay and I have explained it to them but they said my benefits may be cut if they don't get the money. I don't have it. XXXX XXXX also suggested I get my wife an increase in XXXX so they can cut my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have never ask for my medical information to be release once i inform them of that they have violated the HIPAA LAW they told me no they have not because they partner with the hospital XX/XX/2022 was first reported on my credit report Amont : 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed by PNC Bank with assets in it and they bounced my checks and now I had a refund made by XXXX on XXXX under XXXX  XXXX and made a refund of {$270.00} to me for a missing pendant. It was done under XXXX which was issued to me by PNC. It was for {$270.00} and now XXXX said they can not issue another refund because PNC Bank received it but they kept it because they did not want my account and never indicated it when they signed me up for it. 
Could you get me my money back for the refund. I did not received a final check when it was closed or a bank statement for the month I had the account. PNC gave no reason for their sudden desire to close my account with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA
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:
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX as I was shopping, a customer service agent asked me if I would like to apply for a store credit card. I informed her no due to a hard inquiry would come on my account, and the customer service agent still went through and processed the store credit card without my knowledge. They asked for my ID to match the card I was using, but they were filling out the store credit card application, which I did not approve of.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing accounts opened under my name that were not opened by me. My personal information was exposed in an XXXX data breach. I have not received requested documentation supporting the claim that bureaus are reporting back the the account " does belong to me. '' I am under the impression that this company is not even investigating any of these disputes. Instead I have been hit with stall tactics with responses asking for me to prove my identity by getting my disputes notarized which I have complied.

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 2023-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor ; XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX - Collection

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 2022-06-01
Company: EQUIFAX, INC.
State: MS
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 1.XXXX XXXX Account # XXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Dimand Law Offices, P.C.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Filed a lawsuit in XXXX XXXX Illinois on a fraud account and I do not reside in XXXX XXXX or even the state of Illinois I informed them about the above actions and they are more concerned about collecting money that I do not owe. I have not answered to any lawsuit nor have I been served because I do not live in Illinois and I have conveyed that to Dimand Law firm This law firm along with key note collections tend to pray on poor XXXX and XXXX people in XXXX XXXX Illinois they flood the court system with XXXX and XXXX people with the notion of strong arming, embarrassing and con-Ing poor XXXX and XXXX people XXXX 

I have never signed a contract for a credit card and there is no proof that I have. This law firm operates shady practices targeting poor XXXX and XXXX people and should be dealt with by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: CA
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:
We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).

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 2022-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Commonwealth Health Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it XXXX concern I check my credit and I have collection account from common wealth and this not my account I have private insurance through my job and I have not been a patient XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/22 I contacted XXXX and trans Unio in regards to in authorized inquires on my account Ive mailed the information request and these inquiries are still being reported and showing on my report. 

I have attached the inquires the highlighted ones are 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 2022-06-27
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account that was reported on my XXXX credit report for XXXX XXXX. This account was opened on XX/XX/2016. I have disputed this charge multiple times as we do not owe this false charge, however the charge continues to re-appear on my credit report. This charge has been bought out by several different agencies. XXXX XXXX was not authorized to charge me and all balances were paid in full upon closing our account with XXXX. We have contacted XXXX XXXX several times attempting to settle this matter directly with them but XXXX refuses to make any changes. I will go to all measures necessary to ensure this is made right and the charge is dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Briefly, my complaint is about both errors in my credit card bill, and the impossibility of contacting anyone about it. 

Over the past XXXX weeks, I have spoken with XXXX supervisors, each of whom assured me that they someone XXXX or XXXX levels up in management would get back to me. Each of them confirmed that the bills of my last XXXX months do not look right - the totals themselves were/ are incorrect! I have never been provided with any way to contact anyone there, and when I have phoned in, my only option is to speak to yet another supervisor. Neither have any of the supervisors left notes that subsequent supervisors can review. Apart from a woman named XXXX see below NO XXXX has ever contacted me about this issue from Barclays. 

There was XXXX supervisor, and woman named XXXX, who did leave a message for me on my phone even to the effect that Barclays was giving me {$100.00} to compensate for the difficulty I have experienced in dealing with this issue, with the impression ( but not certainty ) that she was continuing to research my issues. My impression is that XXXX was trying to resolve this issue, but she was under constraints by Barclays. She was not able to leave any way for me to contact her, leaving me none the wiser as to the status of my account, and still with no recourse. I was never given a case number or any indication that my complaint was being taken seriously until this recent not very clear message, and although I filed, weeks ago, what I was told was a formal complaint over the phone, there was never any indication that that ... went anywhere. 

I find it remarkable and ridiculous that there is no way for an agent of Barclays to be contactable, that there is no continuity built into their system, let alone that numerical discrepancies could arise in their credit card assessments/ calculations.

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