BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I have received an ACCOUNT STATEMENT GOOD THROUGH XX/XX/XXXX FROM Alliance CAS, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Phone XXXX XXXX XXXX, e mail : XXXX stating the amount of {$6300.00} will be sent to collection. 
Alliance CAS letter did not give any details and how those amounts were arrived at. At this point, I would like to bring to the attention of CFPB as follows : 1. Original Complaint No : XXXX was made on XXXX/XXXX/XXXX XXXX. Alliance CAS reply received through CFPB on XX/XX/XXXX XXXX. I was given 60 days to respond. 
4. Due to XXXX problems that led to XXXX my mobility was restricted during the month of XX/XX/XXXX leading to part of XX/XX/XXXX. 
5. I have contacted CFPB explained the circumstances that were beyond my control. 
6. I was given a 15 days grace period to respond to the reply of Alliance CAS. 
7. Finally I have given my response on XX/XX/XXXX under a new Complaint under file XXXX : XXXX honestly believing that this response will be forwarded to Alliance CAS without fail. 
8. I was told that I have to submit my response to the answer to Alliance CAS under new clam # XXXX which I did. 
9. Since I did not get any response, contacted CFPB by phone on Friday XX/XX/XXXX only to find out the contents of File # XXXX were never forwarded to Alliance CAS. 
9. By not forwarding my reply, I strongly feel my rights to be heard were compromised. 
10. The Agent, XXXX informed their system did not recognize the XXXX # XXXX as my response to the response of Alliance CAS . 
11. XXXX informed that I should make another New complaint adding the above two File XXXX. 

Hence, I hereby submit a new claim and attach the following documents in support of my claim for your review, verification and resolution of my agonizing XXXX issues Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-03-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am making an complaint regarding a collection on my account that doesn't belong to me. I haven't received any letters regarding this account " XXXX XXXX -reported '' I have made a dispute XX/XX/2022. its over 30days. they have violated for 15 u.s. Code 1681e ( b )

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 2021-11-26
Company: EQUIFAX, INC.
State: NY
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:
Equifax, XXXX and XXXX are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: First National Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not sure if I selected correct description. I contacted this company to see if they would offer a settlement offer on XXXX/XXXX/2016 the offered to settle for 50 % of debt that must be made with in four payments I did make all my payments online making what the box for payment amount asked me to make. I made my last payment on XXXX/XXXX/16. Here is payments and amounts I made according to bank statements XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$54.00} XXXX/XXXX/16 {$43.00} I will attach copies of what I got from their website on XXXX XXXX, 2016. Their payment state different dates than what my back states as payments. I contacted credit bearus cause this account is n't showing paid and also called first national collection bureau, inc and they are telling me that I did n't make all payment to clear this account and I told her according to records and their website all is paid. so that is why I am filing this complaint I would like this to be settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: IN
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 XXXX Accounts below have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

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

Account Name Account Number 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: ID
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:
There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I unexpectedly worked late on XX/XX/2021 ; as a healthcare professional during these trying times this had become the new normal. I tried to pay my bill on line at work but had trouble signing on to the website. As mentioned above, I did not expect to work late that day but it turned out to be very busy with the increase in COVID patients that I could not leave on time. As soon as I got home, I went to pay my XXXX bill ( Comenity Bank ) on line. When I tried to pay the full balance on the computer upon my return from work that day, it jumped to the next day and the computer would not take my same day payment even though it was the same day ; XXXX to be exact. I proceeded to pay the balance in full and followed up with a telephone call asking if I could get the {$29.00} late fee waived. Customer service responded that the late payment can not be waived. I then asked to speak with a Manager ; the Manager told me that they had no authority to override this late payment fee. I found this odd that a Manager could not assist me and had no authority to reverse a late payment charge that is unjustified. 
In all my experience with credit card companies, I have never seen such resistance to accommodating its customers and thinking outside the box. I have never been late with any XXXX payments ; and when I mentioned this, they did not seem to care and would not extend me the courtesy that I feel I so deserved. I can now see why XXXX terminated their contract with Comenity Bank. 
If you check my bill, I paid the balance in full that day ; my {$29.00} late fee has now turned into {$140.00} ; this is a summation of all late fees they kept adding on the a zero balance. 
I feel this is totally unjust as I initially explained to the agent that I had all intentions of paying this bill in full but had trouble signing on to the Comenity Bank website. 
If you check my credit report, you can see that this is the only one derogatory mark on my credit report and my payment history has always been excellent. 
I hope you can understand my position and look forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to XXXX after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed W & O and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from XXXX/Weber and Olcese thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these XXXX companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXXXXXX.this default has now destroyed his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 and XX/XX/2022 I wrote to The XXXX, XXXX requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: Master Finance Company
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX my employer was served with garnishment papers from a law firm representing a payday loan company called Master Finance of Texas. I have never lived XXXX but apparently they have a company in Missouri. I do not remember having received a loan from this company. When I spoke with the law firm they said it was a loan that I got in XXXX for the amount of {$80.00}. However on the garnishment papers they are trying to garnish me for {$2200.00}. I do not believe this fair because for XXXX I do not have any recollection of getting such a loan, and XXXX I was never served any papers in regards to a court date. They just showed up at my job with a garnishment notice. This does n't make sense. The law firm also stated I was served on XXXX XXXX, XXXX at my current residence that I have lived at since XXXX XXXX I do not see how since you have to have a key in order to enter my building. How is it possible for them to even be able to garnish me if I was never served court papers? Also how can they try to garnish me for {$2200.00} when the original loan was {$80.00}? Also for the state of XXXX ca n't I use the Statue of Limitation as a defense if I did in fact get this loan? ( I still have no memory of getting XXXX from such a company )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Komyatte & Casbon, P.C.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was diagnosed with XXXX XXXX in XX/XX/2014 and insurance company took their time paying XXXX hospital in XXXX so XXXX hospital sent the amount to XXXX XXXX XXXX within a month of my XXXX. Insurance paid this debt. No matter how many times we talk to the law firm they wont take it off my credit. I have called XXXX hospital and they apologized but nothing was done. Whats my next step. Oh I did go to the clerks office and they are sending me the paid bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: VA
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:
Original creditorXXXX XXXX XXXX XXXXXXXXOpenedXXXX XXXX, 2016. XXXX XXXX XXXXAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have asked Transunion to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Secti on 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosur e. My first request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . My second request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Transunion has denied my right as stated on FCRA. I ask you to step in and demand Transunion to follow the law and provide me a complete file disclosure for the disputed accounts on my credit 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 explanation
Consumer complaint received 2015-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery calls XXXX of times per month from unique phone numbers attempting to collect a debt. They refuse to provide proof of debt or divulge any information about the origin of the debt. There is also XXXX record of any potential debt on any of the XXXX credit agencies. This " debt collector '' is a scammer attempting to collect debt that is either so outdated that it is past any statue of limitations, or not actually the person that they 're attempting to collect from. 

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent in my dispute letter to Equifax dated XX/XX/2020 in regards to a inaccurate item reporting on my credit report. Its been over 30 days and the investigation and the information requested has not been completed. Due to the investigation not been completed in 30 days the item being disputed must be deleted immediately. Also I provided a credit report showing the item being reported inaccurately so Equifax should not be able to say it's verified. This problem has caused me undue stress and financial hardship!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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 have already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.

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