BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Law Office of Michael J. Scott, PC
State: TX
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:
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX  Account XXXX XXXX XXXX, XXXX Case # XXXX / FILE # XXXX, has violated my rights.

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
MY PERSONAL INFORMATION NEEDS TO UPDATED ON MY CREDIT REPORTS

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 2022-07-06
Company: DISCOVER BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Discover froze my bank accounts and is holding my money ( and many other customers ' money ), based on " unusual activity '', and I can not connect with anyone at Discover to unfreeze my accounts ( it's been over 22 days as of this complaint ). 

I opened new bank accounts on XX/XX/XXXX, and deposited money ( over $ XXXX ) in them on XX/XX/XXXX. I was notified by Discover on XX/XX/XXXX ( via email and via a voicemail ) that my accounts had been frozen due to " unusual activity '', and that I needed to call XXXX to speak with a bank security specialist. Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen. 

I called Discover back on XX/XX/XXXX and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are XXXX XXXX, and that they were not available to help me, and that I would need to call back during those hours ; Discover advertises 24/7 customer support. 

I've placed over 50 calls in the past 22 days. I have spoken to a number of Discover customer service professionals, but they can not unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue. Furthermore, they do not have a single human at this point who can tell me what my account balances are I've tried to get help via XXXX, XXXX and XXXX, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all. See threads on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was fees was charged, account was frozen a few times.. overdraft fees every other week

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 2020-08-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice for Proof of Claim for the following Account : WAKEFIELD & ASSOCIATES XXXXTo Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: GA
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:
The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent numerous complaints to CFPB in reference to Transunion. I am a victim of identity theft. Its not fair to me that I have to suffer because of errors

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 2023-07-15
Company: Experian Information Solutions Inc.
State: CT
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 XXXX  acct # XXXX as violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This XXXX XXXX XXXX XXXX XXXX ) XXXX card financial institution was changed from XXXX to Comenity Bank in XX/XX/XXXX. ( As background ) on XX/XX/XXXX, payment of {$230.00} was sent via XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx XXXX. The payment was credited to my XXXX account and debited from my XXXX checking account. On XX/XX/XXXX, payment of {$2600.00} was sent via the same bill payer service to the same payee at the same address. The status of that payment currently is Delivered in my bill payer account. The payment was due on XXXX XXXX XXXX Per the bill payer the payment should have been received no later than XXXX  To date my account has not been credited. I have been informed that late penalties have been assessed and a status of overdue has been assigned to my account. 
In addition, I have called Comenity Bank Customer Service multiple times in attempts to obtain access to their website. Ive spoken with five representatives and still havent been able to access the website. 
Ive written a letter disputing the overdue status and late fees. Ive notified XXXX XXXX XXXX and XXXX. 

Ive been told by XXXX that many people have contacted them with the same complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-08-17
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not liable for this debt with XXXX, I do not have a contract with Caine & Weiner, I requested a copy of contract I never received. This company has been removed off my consumer report 2 times and keep coming back. They keep harassing me and disturbing my life with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 a victim of identity theft and have been a victim of identity theft for over 25 years. Chex Systems , Inc., has a current police report on file regarding me being a victim of identity theft. The following inquiries viewed by you and others currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2020-01-08
Company: N.A.R., Inc.
State: UT
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:
A few years ago my husband and I went through a bankruptcy. After the bankruptcy was dismissed I received 2 bills from NAR requesting payment. I contacted them immediately and let them know they should have been covered in my bankruptcy. They told me to contact my attorney and find out if the debts are owed. I reached out to the attorney which took a while, but he stated that one of the bills they were trying to collect was in fact included in the bankruptcy however the other was not and I needed to make arrangements to pay that one as it was for a date of service a couple days after filing. I again contacted NAR and shared the information I had obtained. They said, " sorry '' for the " mistake '' of trying to collect on the debt that was dismissed and gave me the balance on the other which included several fees and negative credit reporting. I told them that they made the mistake to collect on a discharged debt and I made a mistake by thinking they were both in the bankruptcy however I had contacted right away and disputing those and now trying to make that right. I felt it was fair that they remove the fees and negative credit reporting. I was transferred to several different employees and back again. For at least 3 years now I have called off and on to try to get this debt settled and removed from my credit. Each time I go through their transfer game, get a voicemail that is never returned, and a promise for supervisor review and a call back within 48 hours that is never returned. I sent an email over a year ago regarding the situation and telling them I was going to file a complaint that they continue to report on my credit but on not following through to allow me to properly manage the debt, not returning my calls when I have been told it is noted in the file several times. Same thing, calls and promises of call back with nothing. They never sent me a bill in the mail since the one that raised the question to begin with and have not sent anything since. They just continue to refuse to have their upper management review the file and come to a solution since they obviously made mistakes that violate the debt collection act as well. Now they continue to cause harm by reporting and not returning calls I am making to them. They also at one point did offer me a settlement that took a portion of the fees they have added off but told me they could not put it in writing for me that it would satisfy the debt in full. Another issue since this company apparently can not be trusted to keep their word and not engage in shady collection practice. I would like them to provide me a copy of all of the file notes from representatives from the date that they opened the file. I also have copies available of the bills they sent available upon their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done ; however errors and inaccuracies still exist on the report. The dates of last activity are not consistent among the XXXX reporting Credit Bureaus. Furthermore, my payment history is still not accurate. It is still showing a late payment and the XXXX reporting Credit Bureaus do not show the same payment history. How can validated information vary among the Bureaus? 

I have attached the investigative results and a copy of my credit report with the errors highlighted in yellow.

15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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 2022-01-27
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I was sent an offer for a bonus of {$150.00} for setting up direct deposit with Credit Karmas Spend account which is a checking account powered by credit karma. In the promotion it stated that I would be paid the bonus no later than XX/XX/XXXX if I met qualifications. Once XX/XX/XXXX came I contacted credit karma support and was informed I that I was placed on the list for payout on XX/XX/XXXX an entire week after the promised date in the promotion. I was then told I would receive the bonus is 7-14 days. It is not the XXXX and not only have I not received my promised bonus, credit karma has not responded to me emails in over 72 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax last time speaking on XXXX XXXXXXXX before taking legal action see file lets be done with this XXXX XXXX today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2021-10-13
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive no collection letter or knew the company existed until I received a credit alert on my mobile phone. I would think there would be some sort of correspondence or verification on said debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
An individual stating their name to be XXXX XXXX XXXX stated for me to call XXXX reference XXXX. When i called a lady stated the name of the business to be XXXX XXXX XXXX, XXXX Florida. They stated i had an debt to Santander auto finance. Last fall another individual stated the same thing so i called Santander and they stated they do not have a debt with me and if they did they transferred me to another collection and when i called them they did not have a collection in my name or social security. 

This individual when i told her that Santander stated there was no debt she said will i don't think so and just hung up on me. 

During the call she wanted to argue with me.

Company response to consumer: Closed with explanation