BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called DRS or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. I got a response from DRS with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I disputed an account from XXXX. Per the agency they submitted a deletion request due to this account not being mine. Spoke with representative of Transunion on XX/XX/XXXX and the representative stated this was not coming off because it was validated.

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 2021-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is offered me a 90 day payoff option which I did. They sent me a letter letting me know the 90 day payoff was complete. They offered me to use XXXX dollars which I only used XXXX which i paid off. So that leaves XXXX to use which I dont want to use. Experian added this as debt that I owe. And have attached that amount to my debt. I explained this and gave them proof to no avail.

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 2021-04-01
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I was notified by XXXX credit bureau that a collection item was posted on my credit by Cavalry Portfolio Services for the amount of {$1800.00}, as XXXX XXXX  is the original creditor, I have disputed the account validity with all credit beraus and the account was permanently removed from my file only to come back 2 years later under Cavalry portfolio services, I asked them to remove this account from my credit because it's inaccurate and misleading and I mentioned the fact that it was disputed with the original creditor XXXX XXXX and it was unverified and removed and I also mentioned if the original creditor can't verify the account how were you able to do so, but I never received any response and the account still inaccurate and still on my credit file, furthermore upon checking my credit I found that the account was reported as a debt with contract that was opened under my name and the last active payment was made on XX/XX/2021 to Re-Age the account and ensure continues damage to my credit and I also found that Cavalry Portfolio Services adopt these deceptive practices continuously as a way of life not only limited to Re-Aging accounts but also report payment history when there is no payment made to unknown account with wrong status as a deliberate act to mislead and strong arm the victims either to settle for a debt isn't owed or suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to resolve my Capital One Credit card debt for a few months now. i contacted them in XXXX and we agreed to a settlement amount for {$1200.00} to close the account. I asked them to email me a letter of the offer and I would pay that amount. Initiall they agreed to send the letter after a few days nothing showed up so I called back, and they apologized and agreed to send it in the mail and via email. 

Fast forward to today, I follow up on XX/XX/20 and they are now trying to upsell me to {$1800.00} instead of the original amount. I explained to them I would not agree to that amount and would like to pay the original amount but the rep I spoke with refused. When I asked why not, she told me she didnt have an answer she just couldn't. I also asked why I never received the letter they promised, and she admitted the made a mistake and never sent it, and that as supervisor didnt fill out the proper paper work. 

To sum it up, Capital one refused to provided clear terms of a finical agreement, and then is leveraging there position to charge me an extra {$500.00} during a pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
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 the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX  XXXX {$9000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX  XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$2500.00} XXXX XXXX {$990.00} XXXX   XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Conn's, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 Conns fraudulently submitted a payment for my loan to my savings account resulting in a non sufficient funds fee of XXXX XXXX dollars. I called Conns and was quoted a higher balance than I was suppose to have. I spoke to a representative at Conns about this matter. The representative advised me that due to them processing my payment and it returning due to lack of funds that the zero interest option would no longer be available and that I was now responsible for paying the interest on the account. I explained to the representative that I made my payment via checking account as I have done with every other payment prior to this one and what was the reason for them processing my payment via savings. The representative advised me that I chose the savings option for payment on the automated line. Be advised that the automated line system makes long pauses while making choices to process your payment and could of incorrectly have taken the payment in the wrong way. The representative advised me to send my bank statement in showing that I had the funds available in my checking account when I made the payment and that they would conduct a investigation. I called back several weeks later and was advised that although the funds were in my account they werent going to remove the interest. I feel that this was a deceptive practice by Conns to ensure that I paid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: First Credit Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX ... 1ST CRD SRVC ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  SV ( Original Creditor : 09 XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: NC
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 submitted my identification and social security card for your review along with my FTC report, due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I can't find the contact for XXXX/credit bureau. 

On XXXX XXXX 2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.

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 2021-08-20
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: Information belongs to someone else

Complaint:
I have called and submitted a dispute with an agent at XXXX and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance

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 2021-08-20
Company: EQUIFAX, INC.
State: NV
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 was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: LA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just pay late one day and just once. I am going to call to remove my late fee and interest fee. But they do not help me. They have a strategy to remove the late fees once a year. But I don't know why they are not going to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX sends consumers information via the media to make consumers believe that they can repair credit issues. I personally contacted them to start credit repair and found out that the whole company is fraudulent. What was slated for repair back in XX/XX/XXXX did not even get resolved. Letters sent to creditors were never fixed as promised and the same list plus more items are published as of today in the year XX/XX/XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I used the ATM at a XXXX XXXX  in XXXX XXXX, XXXX, because I thought it was an XXXX XXXX. After filing a complaint with the XXXX, I learned that XXXX in the USA is a subsidiary of a foreign owned holding group with the exact same name for marketing purposes. I entered my card in the ATM machine, selected English, and attempted to withdraw money. After I selected the amount of money I wanted to withdraw, the ATM machine displayed a screen offering to exchange my US currency for XXXX Pesos at a rate that was clearly below the current exchange rate. I pressed the button to indicate that I declined to accept the transaction. The ATM then dispensed my card to me, I retrieved my card and walked away from the machine and withdrew money from a different ATM machine at a different bank that did not try to charge me a false exchange rate. 

The next day I noticed my account was debited {$310.00} by XXXX for that ATM transaction and I contacted my bank, Charles Schwab, to open a dispute. On XX/XX/2019, I learned that XXXX XXXX with Charles Schwab had investigated my dispute and XXXX had reported that the ATM was operating properly and there was no discrepancy that day. I reopened a new complaint explaining that even if that is the ATM is programmed to offer a below market exchange rate, dispense the customer 's ATM card, and thereafter dispense cash from the ATM, that is misleading and fraudulent and that I should not be responsible for an ATM machine dispensing money after I declined the transaction and my card was returned to me. I requested Charles Schwab request the video from that ATM and the logic that the ATM uses prior to offering a below market exchange rate and then dispensing money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX bank corporation has a balance of XXXX and it is a credit card it was opened on XXXX XXXX and it is closed and it is a charge off, It needs to be removed it is not my balance and my account. This card has been on my credit and it has a balance that is inaccurate and it needs to be removed off it. The account has an balance that needs to be removed from my account.

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 2022-08-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They block messages comunication way This messages communication way is totally ok wayto contact them. This is in the agreement Apple card is working in a very suspicious way when i reported I lost my card they requested full payment and block my card then they sent me a message telling they cancel my card and still charging me for unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EXPERIAN, XXXX, AND XXXX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

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