BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Auto insurance due to progressive / Caine & Weiner. 
XX/XX/2019 at approximately XXXX EST I called in attempt to settle a debt for {$83.00} with debt collectors Caine & Weiner of California . I didnt have the funds and would call back later that day. Second contact being XXXX XXXX at that time before making payment I mentioned that I didnt feel comfortable providing payment unless I received immediate confirmation/ receipt following the transaction with rep. I was then transferred to rep assistant manager she assured me that I would receive receipt following transaction CONCEALING that it would take some business days to receive that via mail. After payment I asked for receipt and thats when it was disclosed to me that I wouldnt be getting confirmation till later sometime this month I then continued to say That i will call my bank and dispute the transaction if I didnt receive a receipt. Floor manager then contacted me at XXXX XXXX   XX/XX/2019 ( XXXX accent ) and used DECEIT by stating that what was once and offer ( deletion of the debt after payment ) could be easily taken away also became very condescending in attempt to keep me from disputing the charges ( ALL CALLS WERE RECORDED ) to prove this. 
Which is in violations of my rights 15 U.S. Code 1692e. False or misleading representations or deceit ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer XX/XX/XXXX XXXX XXXX same floor manager contacts me in response to an earlier call where I asked for a receipt. And said you mentioned you were going to call your bank so I cancelled the transaction and frankly the deletion of the account was courtesy so why do you want to do? VERY AGGRESSIVELY XX/XX/XXXX XXXX XXXX est I felt with manager XXXX to mediate the situation and mentioned she could only provide a paid in full following the violation to my rights and XXXX COMPLAINT XX/XX/2019 XXXX XXXX est spoke to operations manager after another attempt to settle and made clear that they were in violation of my rights and I would like for them to disclose how I could file a formal complaint he then Said send me a letter to P.O. Box and Ill see about it and asked to speak to a superior which he then responded in not transferring you we can do this all day all while being very dismissive. 
Made little to no effort in solving the situation instead he escalated it more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. Transunion violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-07-27
Company: EQUIFAX, INC.
State: IN
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:
in review of my credit file i see XXXX recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) Equifax Mortgage Solut XX/XX/2023 I would like these XXXX inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX, and financed {$19000.00}. I have been making bi-monthly payments of {$220.00}. I have made 33 such payments, every single one on the day that it was due, for a total of {$7500.00}. 

As of today, XX/XX/XXXX, the payoff on my loan is {$19000.00}. 

The loan is financed through Bridgecrest XXXX. I would like to have this issue investigated, please. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2021-06-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a older account with Credit Acceptance and was able to pay off as quickly as I could. I called for a good will delete and there being difficult. I paid ahead in the months of XXXX, XXXX and payed off loan in XXXX of XXXX. I now currently have a new loan since XXXX of XXXX  and Im current with my loan. 

Thanks, 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 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had a bad experience with BOA yesterday regarding my unemployment card for the state of Kansas. The BOA supervisor ( XXXX ) was not helpful with my issue. My issue was that my card mailed out on XX/XX/XXXX and I have still not received it as of XX/XX/XXXX. XXXX wanted me to charge me {$10.00} to send via XXXX. I am not paying to expedite the card to me since I never received the card so I am now waiting another 7 - 10 days for another card to be sent USPS without tracking again. This was the 2nd call that I made to BOA on Wednesday, XX/XX/XXXX ; on the first call I was told that a supervisor would call me back. After approximately 6 hours an no return call ; I called BOA back. Every other time I called BOA I was asked to do a survey but not after I spoke to XXXX. I am also a BOA checking account member and have been for 15 years. I mentioned that during my call as well as I would go to BOA to close that account after no resolution. XXXX did not care at all!

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well

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 2021-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked both XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX  and Experian )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

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 2023-08-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
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 filed a Identity fraud report with identifytheft.gov, I have attached the submitted form. 

I have sent dispute letters and proof of account responsibilities letters to Experian Dispute Center. 

Experian are completing my disputes without sending me verifications that the following collection accounts belong to I. 

Experian has violated my rights. 

15 U.S.C 1681 Section 602 A. States. I have 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 explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: SC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX And XXXX XXXX is my son he lives with my mom I send money to him through cash app. On XX/XX/XXXX I sent him XXXX dollars to his account. They locked his account he couldn't take money out. I know hes only XXXX but that's the only way to send my baby money. Me and his grandmother XXXX XXXX has been trying to get the money for my son but they wont let me I request a refund they wont let me get the money back I send money to my son alm the time .I know he is only XXXX and not old enough to get a cash app but we never had a problem till now. He does not have his old number and cant remember the password to his gmail. I have sent so much proof I sent this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing mortgage with New Rez. I applied for a refi to get a lower interest rate XX/XX/2021. At that time I had also applied for the same refi with my credit union who offered me a lower interest rate. New Rez said they would give me the same interest rate if I stayed with them. I agreed to continue the refi with New Rez because my current mortgage is with them and I thought the process would be less problematic. To this date XX/XX/2021 New Rez has not finalized the refi and continue to find reasons not to close by asking me for documentation I've already given them : XX/XX/XXXX New Rez requested my pension statement : I gave them the pension statement and income in the beginning of the refi and when I purchased the property. New Rez ask for information on other properties I own and I have sent them everything and they're asking for it again. It's become redundant and irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently applied for a mortgage and I have been using Transunion monitoring service for over a year to ensure I was able to. I find out that the credit bureaus use two different methods to report credit. One they use on their consumer portal based on some method they thought up called XXXX XXXX and the other based on FICO that they give to lenders. This has resulted in a 50pt gap in the two scores, with FICO being the lower score.

I feel this is a deceptive and fraudulent practice. If you join a service to monitor and manage credit, then only one method should be used to report to ALL parties. I believe them charging me a fee and giving me erroneous information that does not reflect what they give a lender is a kin to the used car game the XXXX XXXX XXXX plays. 

I believe all three bureaus are playing the same game here and it should be investigated. One method for all parties.

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 2023-03-16
Company: Westlake Services, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX XXXX  XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2021-06-20
Company: ALLY FINANCIAL INC.
State: IL
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:
My info was stolen ally financial has several hard inquiries that Ive been fighting to get off my report please help the dates are XXXX XXXX. 2.XXXX XXXX 3.2 XXXX XXXX 4. XX/XX/2020 if these could be removed after back and forth with the company no one speaks XXXX just remove wasnt me .. Ive since put fraud alert on

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