BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: HW Holding, Inc
State: MD
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:
In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022 I notified Experian that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided Experian with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXX. With that being said Experian is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2016-12-15
Company: Early Warning Services, LLC
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recived the attached letter from Early Warning Systems stating that they investigated my concernes regarding the dergatory mark ( s ) from XXXX XXXX. 

Tthrough the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) since EWS conducted a " Proper Investigation '' which means EWS has on file of accounts listed below in the original complaint. Your failure to positively verify these accounts has hurt my ability to obtain a bank account. Under the FCRA, unverified accounts must be removed and if you are unable to provide the item by providing me a copy of verifiable proof, you must remove the accounts listed below. This your responsabilit just the same as XXXX XXXX since you conducted a " Proper Investigation '' Please show me what you used to determine that the items are indeed valid. 

These do not belong to me and EWS is hurting me by blocking me from opening a bank account and has caused a lot of embarrassment for me in the banking community. I demand these items be removed or proof requested above be provided. 

I hope to resolve this ASAP before any more damages are incured and needles attorney fees are paid out, and tieing up the courts time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a debt on my credit report from Portfolio Recovery Associates assignee of XXXX   XXXX. I do not recall this debt & it was removed from my credit report. I then received notice I was being sued by them. I asked for trial by jury and the jury, before I entered the jury room I was told that I could not use the fact that they have harrassing my family or bring up any cases where they have been reprimanded and ordered to fix their practices. lol ng story short the jury sided with me. Said I owed them nothing. I now have a notice from the Justice of the Peace court that my case was appeled. I feel this is a form of harassment & I am hopeful for some help. I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit card was charged without my permission, at which point I disputed the validity of such a charge. The credit card company posted a credit in the disputed amount to my account pending the outcome. The investigation concluded that my dispute was invalid, at which point the credit was put back as a valid charge. I attempted to resolve the issue prior to this point without success. 
I have my credit card statement showing the charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX since XX/XX/2021. My PayPal account : XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.

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 2015-06-26
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Predatory Lending : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX from XXXXXXXX In XXXX XXXX, my husband and I made a contract with XXXX XXXX XXXX XXXX, when we still live in our current property at the time. The agreement took a turn for the builder and the lender agent requested to open an initial Line of Credit of {$90000.00} ( National City Mortgage ) to secure the purchase and building of our future property. We did so, however this LOC put a lien in the property we were about to sell in XXXX. I am an American Citizen by Naturalization and my XXXX at the time was n't good enough, which was a struggle for me. My husband, a XXXX XXXX XXXX, XXXX for a government agency, and an XXXX man, XXXX XXXX XXXX XXXX, seemed not to understand very well about financial facts. I only signed papers and saw the main picture of everything. We sold our property in XXXX XXXX, for {$480000.00} letting a XXXX for mortgage payoff, the {$90000.00} lien with National City Mortgage, and the commission of the real estate firm XXXX XXXX from XXXX XXXX whom sold the property. In the other hand, the gain from {$480000.00}. The base price of the house was {$500000.00} and we did have some upgrades for hardwood floor since I have XXXX children. It seemed like the amount was going to pay off some of the base amount and reduce the loan in a good way. But not well calculated, and without noticing how inflated the fees were FOR EVERYTHING!!!! XXXX XXXX XXXX land in XXXX County XXXX costed XXXX but it was inflated to XXXX as the initial contract said. All the fees described in the Settlement Statement / XXXX form XXXX with XXXX XXXX and XXXX XXXX from XXXX, XXXX. The fees charged in this document are excessively large from commissions to added NON-SENSE FEES! In top of that, the initial LOC /National City Mortgage decided to merge the LOC with the new price of purchase of {$500000.00} AS A REFINANCING! I am disgusted just to comment this and finally complaint. THE TERMS OF THE LOAN WERE UNFAIR AND ABUSIVE, HIGH INTEREST, XXXX ARMS AND OUR INITIAL LOAN # XXXX, WHICH WAS UNDER XXXX XXXX AND XXXX WAS REMOVED. PLUS, WE NEVER SAW THE PART IN WHICH WE PAID THEM FROM THE SELL OF OUR PROPERTY. WHAT HAPPENED???? THE MONEY WE BROUGHT AFTER SELLING, WE DID N'T GET TO SEE IT. MORE THAN SAD, A NIGHTMARE WE SHOULD HAD NEVER GET INVOLVED IN. WHAT I THINK OF LENDING INSTITUTIONS, REAL ESTATE FIRMS AND TITLE FIRMS? THEY ALL TIED TOGETHER TO HARM CONSUMERS WITH THEIR UNETHICAL BUSINESS PRACTICES. WE TRIED A LOAN MODIFICATION IN XXXX WITH NATIONAL CITY BUT IT FAILED BECAUSE THEY WERE NOT ABOUT HELPING CONSUMERS. WE HAD A CLAUSE IN THE NOTE WITH THE XXXX XXXX. WE TOOK IT AND PAID ONLY INTEREST UNTIL TODAY {$1400.00} WHICH WAS INCREASE EVERY NOW AND THEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EOS Holdings, Inc.
State: WA
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:
Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT. 

First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX. 

So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void. 

Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding! 

So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed. 

They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX. 

I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to open a XXXX XXXX account on XXXX XXXX 2017 and I was unable to due to misinformation on my credit report. They advised me to resolve the issue by disputing this information that is not mine and I am doing so. I also would like to say I had been a victim of consumer fraud and want to be issued protection from others being able to access my information for their own personal gain. I am in a position in which I can not even open an account because of this fradulent act against me and I need to recieve proper treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX reported a late payment on my consumer report for XX/XX/2022. This is a violation of my rights as a federally protected consumer under 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report can not include information solely as to transactions or experiences between the consumer and the person making the report and late payments are Under 15 USC1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-17
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX account account # XXXX. 

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.

15 U.S.C 1681c. ( 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. 1681s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Alliance One, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a medical bill for a medical visit on XX/XX/XXXX but still received a notice from Carter Business Services. I received the letter on XX/XX/XXXX, and called them immediately to let them know about the situation. 

1. Instead of providing me with the validity of the debt, they asked me to prove that I paid the bill in full. However, I checked my patient account and it clearly does not have a complete record.

2. The debt collector used the wrong address when they tried to collect the debt.

3. I asked them if they will withdraw the notice if this is a mistake and they refused to answer or explain further.

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 2022-05-17
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXXXXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i have another report on XXXX- the company is over 7 years, i argued with them several times the department of law confirmed my case and sent me a letter for the company to remove the report off my credit report, they are still showing up under collections, i want this account removed immediately, i have contact a attorney if its not immediately removed will attach my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised that there would be a soft pull promotional check on my report and I ended up with hard inquiries. 

XXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX  XX/XX/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