BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Cawley & Bergmann, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name was used in an online ponzi scheme called XXXX XXXX back between XXXX. I was contacted by a debt collection agency Cawley and Bergmann LLC. I was only ever contact by mail. The letters showed up in different envelopes, printed differently, and different letterheads. They did not look official or professional in any way. The letters talked abut my involvement in a ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contact the collector and tried to get more information. Stating I have had no involvement and haven't been shown any proof of the contrary. They told me to XXXX it and they couldn't help me. I have attempted to get law advice during this time to no avail. This month I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ), and am filing this claim in a hoping of getting some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They have sent back stating that everything is verified correctly for the account of Capital One # XXXX. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 2023-06-28
Company: Garrison Investment Group
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The house I own needed a roof. The roofing company used a financing company called Foundation Financial. My sister lives in my house and she was unable to qualify for the loan on her own so I co-signed for her. I reviewed all of the paperwork and signed. She has been making all of the payments but after several months of making the payments, the loan has not gone down at all. I asked her what the interest rate was. She could not find it on the bill. So I looked at the original paperwork to see if the interest rate was disclosed- it was not included in the original paperwork. I signed into our account online and looked at everything online. There was nothing about the interest rate. All of the statements did not disclose the interest rate. The original paperwork was not available on the online account. There is a XXXX filing against my house for this loan but there is nothing specific about the loan either. My sister called the company and asked why the loan balance was not going down. They indicated that is was being applied to the interest which is charged daily. She asked what the interest was. They said it is 9.9 %. She asked if it is 9.9 % daily and they said no you have to take 9.9 and divide it by 365. That is all the information that is provided. We have no way of knowing what portion is paid/ has been paid to interest vs principal. This feels deceptive and not what we agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company put freezez on my account. unespected fees, promblem with withdrawals and making deposits.

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 2023-06-28
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my student loans- the last check I wrote was for {$2700.00} ( payoff amount ). Check Number XXXX. The check was cashed and posted to my bank account XX/XX/2023. Since that time, EdFinancial has failed to update my outstanding balance to XXXX. As of XX/XX/2023 it still shows I owe {$2700.00}. I have called multiple times, sent a letter with a copy of the check, created countless requests with EdFinancial. I don't owe them any money, I paid it all off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSWORLD SYSTEMS INC
State: TN
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:
This account is inaccurate and does not belong to me. This company has falsely reported to my credit report and has resulted in loss of income due to missed business. Tried contacting but number and address listed is not a valid contact. This reporting needs to be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MN
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:
On XXXX XXXX I was in the middle of checking my credit report when different inquiries started to pop up that i do not recognize from organizations that Ive never contracted with or encountered with.

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 2020-09-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they refuse to remove the information certified its accuracy under false pretenses.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE ITEMS IN MY CREDIT REPORT FILE ARE UNAUTHORIZED ALL IS BEING INVESTIGATED BY THE FTC. THE FOLLOWING INQUIRIES ARE ALSO UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: Ideal Collection Services, 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:
This fake company IDEAL COLLECTION SERVICES INC. Located in XXXX FL has been harassing me, reported me to the credit bureaus. 

This company is fake and not license to collect debt in my state Florida. I do not have any responsibility for the debt theyre trying to collect. 
If they have good reason to believe that I am responsible for this debt, they should first mail me their Florida license to collect and documents to support that I owe them. They should also mail me the contract they believe I signed with them. I request that they record that I dispute having any obligation for this debt. I also request that they report to the credit bureaus that I do not owe them and that this debt matter has been disputed and should be remove from my credit report. I request that they cease and desist or I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NV
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  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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: MS
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 never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-06-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt in collection {$2600.00} and I am not responsible for this debt I did not authorize no one to use my personal information to get a credit card. I have XXXX  XXXX  and the credit bureau told me the account is not in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a collection alert on my credit report in XXXXXXXX XXXX XXXX  and immediately called. Fidelity creditors svc regarding the debt. They state it was turned over to them from a previous landlord because we refused to pay for damages. I called the previous landlord and asked what the charges were for. We are being charged XXXX for updating the flooring hardwood floors through the whole unit because of " excessive stains ''. Not only did the landlord never send us a bill he no showed to our move out inspection and refused to reschedule. I reviewed my lease saw our walk through inspection stated the stains were already there when we moved in and our lease agreement shows the maximum charge for flooring with the length of our lease is XXXX cents per sq/ft. That would be 10 % of the total amount they charged us. I've disputed this collection with XXXX XXXX, transition and fidelity creditors themselves. They were all denied. fidelity creditors themselves also removed the report from my husbands account but refused to on mine. They are also charging me interest on this collection account which is illegal in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back between XXXX and XX/XX/XXXX time period I undercame financial hardships. Every month i called capitol one and let them know about it. I can not tell you the amount of time i spent on the phone with them. I spoke to supervisors and they told me to make bucket payments so i did. I also explained to them that I get paid on the XXXX of the month so it would be easier for me to make the payments on time. They never helped me with that request either. I made payments each month and i called when i did. i had zero help. so early XXXX, i got back on my feet and paid the card off in full. They restricted my account which has a XXXX credit limit and after several calls they will not lift that nor take away the 19 complaints / remarks they have on my credit report. 

They knew who i was because i was told we are so happy you are back on your feet. When I asked about removing the remarks they told me no and refused to help me. 

It has then given me a poor credit rating and high interest rates an denials on my credit. 
I am going for a house in XXXX and i deserve my house! i pay all my bills on time. I need help to have all these remarks off my credit and my account reinstated. 

I also wrote a letter to all their addresses and received ZERO response. I still get statements for them against this account. I deserve what is mine ; my freedom. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 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 2022-12-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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 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 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 2022-04-21
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was incarcerated at this point of time, also I could not find a way to discontinued the service, and they continued to run the service while I did not even live at the location. I also was unaware that the service was still on while the bill was not paid for, and they let it run to over {$1000.00} dollars with it unpaid! How is this possible when they should discontinue the service after one bill is not paid for or tried to contact someone after one bill is not paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation