BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Momnt Technologies, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX THE MANAGER XXXX XXXX ( XXXX ) XXXX REFUSES TO ACCEPT I CANCELLED WITHIN XXXX DAYS VIA THE TELEPHONE. AT THIS TIME XXXX AND HIS FINANCE COMPANY MOMNT ARE REPORTING TO THE CREDIT BUREAU THAT I OWE THEM {$15000.00} FOR A SHOWER THEY NEVER INSTALLED. THE SALESMAN CAME TO MY HOME OFFERING FREE CONSULTATION FOR SHOWER/BATHROOM INSTALLATION AND STATED IF I DECIDE THIS PROJECT IS NOT FOR ME CALL THIS NUMBER AND CANCEL OR CALL HIS CELL AT ( XXXX ) XXXX. THIS SALESMAN 'S NAME IS XXXX. I CALL TOLD XXXX I DECIDED THEIR PRODUCT WAS NOT FOR ME, AND I WANT TO CANCEL WITHIN XXXX DAYS TIME HE STATED. HE TOLD BE THAT I PUT HIM IN A BAD POSITION AND HE WOULD GO AHEAD AND CANCELL. HOWEVER, XXXX XXXX XXXX XXXX XXXXXXXX AND THEIR FINANCE COMPANY MOMNT CREATE AN ACCOUNT AND START BILLING ME AND REPORTING ME TO THE CREDIT BUREAUS FOR NON-PAYMENT. I REPORTED THEM TO THE XXXX XXXX XXXX  AND WAS ONLY ASSIGNED A CASE # CID : XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is calling me frequently on robo calls from different phone numbers. Everytime I block their number they call from a different number. They are harrassing me. They have called from : XXXX-XXXX-XXXX  XX/XX/XXXX atXXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX- XXXX  XX/XX/XXXX at XXXX XXXX while I was sleeping.

XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX- XXXX-XXXX  XX/XX/XXXX at XXXX XXXX XXXX-XXXX-XXXX  XX/XX/XXXX at XXXXXXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX It goes on and on but i feel this is enough to show i am tired of being harrassed by portfolio recovery!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my credit report, I have an account with CAINE & WEINER. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$190.00} that I somehow owe to CAINE & WEINER even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I do not, nor have I ever held an account with CAINE & WEINER. I have never signed any kind of physical agreement to pay this amount to CAINE & WEINER, nor has the debt been verified on my credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : 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 2023-10-09
Company: Paramount Capital Group, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received numerous phone calls from paramount Capital stating I owe {$120.00} a month, the bill they send out monthly and the one on their site states {$84.00} a month. I paid the {$84.00} they say i owe according to the statement, then they call not long after stating i still owe {$25.00}. On multiple occasions i have explained this to them. They refuse to acknowledge the bill they send and also refuse to send an email stating amount owed monthly. I have attached files showing my bank statement for payments made, also have attached image showing what statement I receive from Paramount Capital, and also a screen shot of what it says on their webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-28
Company: EQUIFAX, INC.
State: AR
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 is my another request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please delete the noteworthy of any information in my credit record that came about due to an alleged fraud. Please delete the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX XXXX Owed : {$4400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX : XX/XX/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 XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED XXXX  - AMOUNT XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXXXXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX  - XXXX XXXX - AMOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never been to that medical facilithy. I have reached out to Wakefield 3 times between XX/XX/XXXXand XX/XX/XXXX ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: MO
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:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.

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 2021-03-19
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am writing to you about a past account with XXXX XXXX XXXX that was settled with XXXX XXXX XXXX XXXX. with two payments ; first on XX/XX/XXXX of {$110.00} and the second on XX/XX/XXXX of {$110.00} in acceptance with XXXX XXXX XXXX. To this day I still see a charge off and the derogatory mark with other negative remarks on my files with the credit bureaus. This is further ruining my credit and considered unfair business practice. I have been harassed with phone calls and threatening letters that say it will make it hard for me to get credit ; this affected my health very badly. I don't know how the credit bureau takes on this kind of information. I have a good history of making my payments on time with any creditor on my credit file, and have been a good customer to XXXX XXXX XXXX with the lease of the XXXX XXXX XXXX since XX/XX/XXXX, making my payments until XX/XX/XXXX, when I purchased another car from XXXX XXXX XXXX. XXXX XXXX XXXX did the payoff for the last six months and I was told there are no outstanding amounts at the signing of the new contract. This was not the case, as XXXX XXXX XXXX through XXXX XXXX XXXX has been attempting to collect a turn-in fee that was first {$370.00} that was later reduced to the two payments of {$110.00} that was turned over to XXXX XXXX XXXX XXXX. and which was then settled, after XXXX XXXX XXXX ruined my credit over a turn in fee which has nothing to do with the lease amount and is a separate fee. XXXX XXXX XXXX did not close the account and did not show paid in full, until this fee was paid then showing a charge off, and like it shows in my original contract from the XXXX XXXX XXXX, this turn-in fee is not part of the monthly payments. Please help me because I would like to see these negative remarks from XXXX XXXX XXXX taken off my credit reports. Thank you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received 'Fraud Letter ' on XX/XX/XXXX on three Cap One accounts. Nothing in the letter detailed fraud. Upon calling, they closed all three accounts because one of them had a returned payment. Even though this payment was immediately remade and cleared, they still closed three accounts. They did not attempt to communicate with me before taking this action. Two of the accounts had been open for 18 years!

The one with the returned payment had a large cash back balance that had not been redeemend. In researching this online, it appears Capital One has a history of closing accounts for little or no reason when they have a significant unused rewards/cash back balance. This is not fair or reasoanable. Closing all three acounts over one of them having a typo in a payment that was immediately resolved was not fair or reasonable. 

As I have applied for Mortgage approval based on these accounts being valid, this is a disaster. This will destroy my credit and likely cost me a ton in a higher interest rate. The suggetion to 'open a new account ' will not help as that also would blow up the mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I notified Loancare I was laid off at end of XX/XX/XXXX and on XX/XX/XXXX Loancare sent me the confirmation of my forberance being submitted. After that no response from loancare to my letters, emails even when their bills shows the customer email they do not respond at all. My phone calls are not answered at all and no ne pick up the phone and we can't leave even a voicemail. I got my XXXX money and I was able to pay my mortgage up to XX/XX/XXXX with my unemployment benefits feed my family. No more unemployment after XX/XX/XXXX. I have no job and taxes are not even posted yet in my account. I sent a letter to President Biden but no response since XX/XX/XXXX. My loan # is:XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: NC
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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