BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Wilber and Associates, P.C.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving collection notices for an accident with XXXX on a car that I have never owned or driven. I filed a complaint with the state insurance commissioner and they got the insurance company to cease collection efforts. then the collection agency started calling again. I have proven to the insurance commissioner that i was not the driver in the accident. what else can be done complaint number and response from dept XXXX Posted By : State Posted On : XXXX Hello, The company responded that they were ceasing recovery efforts from you. Can you please upload a copy of the latest documents. I will forward this to the company in a follow up inquiry letter. Thank you.- XXXX XXXX XXXX XXXX XXXX XXXX. 

Policy Insurance Card ID Number UNKNOWN Type of Policy Unknown Employer or Plan Sponsor Policy Number In what state was this policy purchased? 
Type of Insurance Automobile Specify if Other Claim Claim Number Date of Loss XXXX Other Party Other party 's name XXXX XXXX Other party 's Insurance Company XXXX Other party 's policy or claim number XXXX Complaint Details Detail of Complaint I RECEIVED AS NOTICE THAT XXXX IS MAKING A CLAIM ON MY MOTORCYCLE INSURANCE THROUGH XXXX. THEY DECLINED COVERAGE AS THIS IS A MOTORCYCLE POLICY AND EVIDENTLY A CAR WAS BEING DRIVEN. I HAVE NOT BEEN IN ANY ACCIDENTS DONT EVEN KNOW WHAT THE DETAILS OF THIS EVENT ARE. XXXX SAID OUR VEHICLE WAS A XXXX XXXX OR SOMETHING. I DONT OWN A CAR LIKE THIS. tHEY ARE NOW SENDING ME TO COLLECTIONS AND I WILL INCLUDE THE REQUEST FOR PAYMENT IF THERE IS A PLACE ON THIS SITE TO UPLOAD Describe what you would consider to be a fair resolution to your complaint THEY NEED TO FIND WHO WAS ACTUALLY INVOLVED IN THIS ACCIDENT OR OWNES THE VEHICLE INVOLED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with XXXX, XXXX, and EQUIFAX. I wish to have this deleted complete per request and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received Collection notice from Penn Credit Corporation Ref # XXXX on XX/XX/2022. Letter is dated XX/XX/2022. trying to collect a debt for XXXX XXXX Acct # XXXX that was opened in my name in Texas. I live in Pennsylvania and have never been to Texas. I believe my identity was stolen and have made a police report. I am sending Penn Credit the required information on XX/XX/2022 that they requested for correct this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CCS Financial Services, Inc.
State: MI
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 disputed 2 ( XXXX ) accounts with XXXX and XXXX for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit Collection Service XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt on my credit report that is not mine. It is a debt from XXXX XXXX XXXX. The collection agency is Caine and Werner. I never knew what that was until it showed up on my report. There was an account opened in XX/XX/2017. I sent a letter telling them to verify the debt and they sent a response back. I have contacted the Fraud Analyst at XXXX also and have not gotten a response back. I sent letter to him via certified mail and the receipts were returned to me. I sent copies of the police report also. No one has contacted me back. And this debt is still on my credit report. The date of birth is wrong, the email is wrong, the address is wrong, the telephone number is wrong and I don't know what XXXX is. 
Creditor : XXXX XXXX XXXX XXXX- Account Number is XXXX Amount owed {$1600.00} Collection Agency- Caine & Weiner XXXX XXXX XXXX, XXXX XXXX Ca XXXX/ Phone number is XXXX I sent a letter to the collection agency and XXXX XXXX at Fraud & Payments Analyst/XXXX  XXXX XXXX  XXXX  and I called him and left voicemails with no response. 
This is totally unfair. Police reports have been sent and no one is making any contact with me. I should not be responsible for a debt I did not charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage XXXX Department of Education XXXX XXXX XXXX sent me an email about a subsidized student loan being behind on payments during the mandated student loan freeze going through XXXX. 

Email contents : " XXXX, we haven't received a payment from you. 

Life is busy- and we know it can be easy to miss a payment, but falling behind can have real consequences. Please make a payment today! 

Make a Payment Payment can be made online, over the phone or by mailing it to Aidvantage XXXX Department of Education XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX. Make sure to write your Account Number on the check or money order. 

If you need help staying on track or you're struggling to make payments, we have options. 
icon Enroll in Auto Pay- never miss a payment. 
icon Lower your Monthly Payments - Income-Driven Repayment plans may help make your payments more manageable. Eligibility depends on your income, family size and loan program. For more information, visit StudentLoans.gov/IDR. 
icon Temporarily Postpone Payments - deferment or forbearance options may be available to provide some relief depending on your circumstances. 
Log in to your account to read the important details about your account status, potential consequences if the delinquency continues and ways to bring your account current. 

We're here to help Visit us online at aidvantage.com or call us toll free at XXXX to discuss the options that may be available to you. We're here to help you Monday XXXX XXXX XXXX XXXX XXXX., Tuesday - Friday XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX XXXX XXXX XXXX ET. '' When I logged into their website, they had an alert up : " Youve missed 1 payment.

Pay Now or Contact Us Need help avoiding delinquency or default? " Looking at my accounts, they were listed as " past due ''. 

This list of warnings and instructions made me pay the " past due '' amount, even though the loans are by law not required to be paid right now. Their deceptive warnings thus cost me well over {$1000.00} in immediate cost. It wasn't until after making a payment I saw a small notice on the top of the page saying that there was a student loan freeze in effect, but that was not included in the email saying I was behind and needed to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with TRANSUNION, XXXX, and XXXX. I wish to have this deleted complete per request and law.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way TransUnion are furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. TransUnion CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give TransUnion PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX such authority . 
TransUnion 's apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings TransUnion have listed on my consumer report. As I have contacted XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, # XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX  XXXX, # XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COMENITY BANK XXXX XX/XX/XXXX - Turned my acct. over to XXXX XXXX XXXX , XXXX ( XXXX ) for my Bill to XXXX  for {$320.00} + XXXX I have had an account with XXXX & all there other brands since XXXX - Every single month since I have paid in full the total amount of bill THE DAY I receive it. 

The statement I received in XXXX however was not paid as I wasl dealing with the XXXX people watching my HUSBAND and even now remember getting a bill from XXXX HOWEVER, my mind was on a lot of things and I guess I thought it was JUNK. So it did not get paid. 
As were missed or neglected during that time : UNTIL HE PASSED ON XX/XX/XXXX ..... Yes I do have a death certificate to send if necessary, I am a XXXX XXXX XXXX woman, and Have not had a credit problem since I can remember. 

Our/my credit rating went from XXXX to to XXXX and I do not believe this is fair to ME. 

Please let me know if there is anything that can be done to rectify this credit score. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Mediation Recovery Center
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last month, I received a notice from Mediation Recovery Center claiming that I owe {XXXX for a medical device related to a XXXX I had XXXX years ago XXXX XXXX XXXX XXXX. The notice claims that the original creditor is XXXX XXXX XXXX  and that the Current Creditor is XXXX XXXX XXXX. The account # provided by XXXX was XXXX. The original Account # is XXXX. The notice also states that if I were to pay immediately, they will discount my bill to XXXX 

This letter was the first time I've ever heard of this balance due. 

A few days later, I received a phone call from a representative of XXXX, again claiming that I owe this balance and requesting that I pay immediately. I asked him why it took XXXX years for this bill to make it's way to me. He could not give me a clear answer, other than to say that his company purchased the receivables from XXXX XXXX XXXX. I asked him for a contact person at XXXX XXXX XXXX that I could speak with. He responded that this company went out of business. He went on to threaten that if i did not pay this bill immediately, that they would report this to the credit bureaus. 

The unprofessional manner in which he behaved and the length of time since my original XXXX leads me to believe that this is a scam. 

In speaking with a CFPB XXXX, he informed me that I should be protected under the CFPB No Surprises Act passed in XXXX. He also suggested that I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.

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 2023-04-17
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX  XXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : XXXX I have successfully conducted a move-out inspection with XXXX XXXX representative for the apartment location at XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management XXXX 
XXXX XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. 
Accordingly, I was not able to contact XXXX management within XXXX days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. 
In addition, XXXX payment portal Apartment Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from Apartment Assistant. 
XXXX XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 
XXXX XXXXstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 
XXXX I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX XXXX monies. 
Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: CA
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:
XXXX lowered my credit score by XXXX points within a DAY after Citi reported I owed an excessive amount on my credit card. Citi admitted to XXXX that the information was entered in error. After doing so XXXX only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with 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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX  XXXX XXXX  XXXX XXXX ) -, XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : 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 2019-09-05
Company: D2 Management LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a call from a women who asked me for my social security number and name. I said I did not feel comfortable telling her that information and then she told me my social and that I owed on a payday loan from 3-4 years ago. I said I do not recall that and she tried verifying my employment with a company I worked with 4-5 years prior. I said I do not work there and then she told me my bank account information. Once she gave that information I figured well I must owe and agreed to pay XXXX every XXXX of the month. The first payment was deducted on XX/XX/2019. I received a call today from a women and she started verifying employment of my old job XXXX ( again I have not worked there for 4-5 years ) after I gave her all my updated information. I was on a conference call when she called and asked if I can call her back because I was on the phone. She was still talking so I hung up, she called back 2 more times and I declined the call, again I was on a conference call. Then my receptionist came back to my area and asked if I was on the phone I told him yes. The receptionist said he had a very irate client on the call. Based on my work ethic my program director was not on the call and offered to take the call and assist the client. Once she got on the phone she said a women was asking where is XXXX put XXXX on the phone. My program director said she is on a call she can have me call her back or she can assist her. The women said put her manager on the phone. My director said she was in the same meeting I was in and again that she can assist her. She then persisted to speak with someone in HR. Then my director said ma'am they are not available I can assist you and then the women hung up. Once I was done with my call I got the phone number from the receptionist and called them back. I spoke with XXXX XXXX who spoke to me in such a manner that was disgusting and I've never been spoken to that way. He went on to tell me that I work at XXXX XXXX and that I am stupid because I can't pay my bills on time. I can't afford a lawyer because I can not pay XXXX dollars. I told him to never contact my place of business again and he said he is going to do whatever he wants. He was cussing and everything, I asked to speak with a manager and he said he was the manager. I came back upstairs and there were 3 more calls from the company. I am going to file a lawsuit with this company as this is completely unacceptable nor will I be treated like this by some scam company who only requires a high school diploma. I am so livid that a company would contact my place of business and harass myself and colleagues. The phone numbers they reached out to me were XXXX and XXXX.

Company response to consumer: Closed with explanation