BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Caine & Weiner has been contacting me for over six months now. They have been calling, texting, and emailing me constantly regarding a alleged debt they have not proven is mine to pay. I've told them they do not have my permission to call or text me, only to email. I also told them I will not be responding to anything at all until they prove to me that this debt is mine to pay. They then sent me a 59 page document that didn't say anywhere that this debt is mine. They then began again with the calls, texts, and emails. 

I have offered them money to put this to bed but not enough for them so they continued to harass me. I recently spoke with their representative XXXX XXXX who spoke to me like a was XXXX XXXX not worthy of her time. I asked her not to record our phone call and she laughed. I think she still recorded it. On the call I asked for more information about my alleged debt and what their next steps will be. I genuinely have been trying to resolve this working with them but they insist on pressuring and scaring me into succumbing to what they want. I then sent an email saying Caine & Weiner does not have my permission to call text or email me. Meaning if they'd like to continue to pursue me they'll have to do it by mail. XXXX responded to my email ignoring my request and asking for money. 

They still have not proven this debt is mine to pay. Their practices are unethical and disrespectful. The two agents I have spoken with directly are XXXX XXXX and XXXX XXXX. Both have been disrespectful, withholding and nonconstructive in our dialogue. They prefer to use vague intimidation language such as " We will be forced to pursue for the balance in full '' rather than work with me to see the issue resolved. 

I have attached my most recent correspondence with XXXX XXXX where she directly ignores my request and asks me again for money, having not proven anything about my responsibility for this debt. 

The alleged original debt comes from a company called XXXX XXXX, I worked for them for a year and a half as a 100 % commissioned sales agent. After I XXXX this job one of my clients terminated their policy with the company. In this alleged situation XXXX XXXX feels entitled to charge me for their lost premiums despite that I was not with the company to maintain the client. This is an alleged debt that rightfully should have fallen onto XXXX XXXX. I have tried to resolve this issue with XXXX XXXX directly but no one has returned my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not 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 2021-10-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I got an alert from XXXX credit report from a company called Capio Partners LLC, as a major derogatory that I dont know of. There is also no additional information to contact this so called company to find out what is all this about, so it looks like identity theft, looking forward on getting this issue resolved as my credit dropped immensely. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: AZ
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 NAME IS NOT CORRECT ON EXPERIAN SEE LETTER OF EXPLANATION ATTACHED

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 2019-04-18
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am tired of the financial dance and impact to us concerning credit reporting. We have been warned that Equifax has been hacked, we KNOW they maintain off shore access and service and yet negatives are posted immediately and months go by before correction, if ever. To further harm us THIRD party submission are inaccurate and usually 30 or 40 point lower and all the while the dance their are different models. NO, they allow this misinformation to be used and their legal out the dance- they have no control and there are many methods all by opinion to encumber people and keep them indentured. Their legal ability to keep us in financial duress and your ineptness at protection pathetic. The path of resolution hard and practically non existent. Right now attempting a mortgage Equifax score substantially less than the others who also share in this fiasco and by opinion abuse. Yes and all LEGAL and that tells all " you shall know them by their works. '' Note THEIR WORKS! PS you no longer have them listed now doesn't that alone speak t who these people are and THEY control the lives and finances of billions and evidently now all over the globe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started getting phone calls from the listed number to discuss my American Express credit card. I had previously had an American Express card, but the last payment on it was made back in XXXX and therefore, any alleged amounts owed have been time barred by the applicable statute of limitations and is no longer on my credit report. Today on XX/XX/XXXX, I spoke to them on the phone, and they repeated were attempting to get me to revalidate the old alleged debt by giving them a new due date. I told them that I had no idea what they were talking about and asked for them to send me the paperwork with respect to this debt. They then said they can open up a new card for me if I paid off the old debt in full. I again said that I was not going to pay anything until they send me the applicable paperwork. They responded by saying that they can only do that once I confirm a due date for this alleged debt, and repeated tried to get me to state a due date over the phone despite my unwillingness to. I immediately hung up the phone on them. Clearly, Am Ex is now trying to collect old debt that they can no longer legally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a customer of Bank of America for many years. Recently In XX/XX/2021 I called the bank and asked them to start a claim for a withdrawl of XXXX that was taken out from XXXX XXXX. My information was stolen and compromised and they opened the claim. As soon as I found out I immmediately closed the XXXX XXXX account so no futher transactions would be made. If apparently i made these transactions why would i go through all these steps. I have used XXXX XXXX before and didnt have these problems. What is upsetting is that bank of america is denying my claim without asking for further information. By them taking out the money, I am being left with no money to pay my bills. unfortanetly i dont have that kind of money to be taken out or stolen. i need help thanks

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 2019-04-18
Company: BARCLAYS BANK DELAWARE
State: WI
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 XXXX XXXX ( hereinafter referred to as " the merchant '' ) overcharged my credit card for airfare. I attempted to resolve the dispute with the merchant, however, they never contacted me or offered a refund. Therefore, I opened a dispute case with Barclays ( hereinafter referred to as " the bank '' ). I was notified by the bank that I had been issued a provisional credit for the amount discrepancy. When I arrived at the airport and attempted to check-in, I was told by the reservation desk representative, that my reservation had been voided/cancelled by the merchant due to the bank withdrawing the funds. My only option was to purchase a new set of tickets. The merchant and the bank had earlier told me that my reservation would not be jeopardized due to the dispute. I contacted the bank again and explained to them what had happened. I was instructed to send additional information in which I did. I was notified by the bank that I had been issued a provisional credit for the remainder of the amount for the cancelled reservation. Finally, I received notification from the band that the amount I had been credited was being re-applied to my account. I contacted the bank 's disputes department two more times and requested a manager call-back. I did not receive a call back but was told that I had exhausted my options withing the banking industry. 

Re : Barclays Dispute case # XXXX ; XXXX ; XXXX XXXX Re : XXXX Dispute case # XXXX ; XXXX In summary, I am being charged for an airline reservation that was cancelled by the merchant.

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 2022-03-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ARS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2017-11-05
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : Fraud Case XXXX ; XXXX Case # XXXX ; XXXX Case : XXXX ; XXXX XXXX # XXXX This is an open Fraud Case against XXXX, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and XXXX is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud XXXX, that did not even care to see the documents nor the case number filed with the XXXX XXXX 's Department. 

XXXX were several " XXXX Agents '' that finally submit my complaints to XXXX of XXXX, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised XXXX XXXX XXXX XXXX # XXXX regarding the debt that XXXX is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I began receiving notices about this alleged debt in late XX/XX/XXXX from two different debt collections agencies. After written correspondence with one collector, they dropped the debt as they were not able to explain to me any sort of verification that it was valid. Since then, I have sent certified letters on multiple dates throughout XX/XX/XXXX & XX/XX/XXXX to ARS trying to get the company to verify this debt as it is reporting on my credit files. The company has only responded with automated letters without providing me any information about the alleged debts. Thus far, as of XX/XX/XXXX, the company has stopped responding to my letters.

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 2022-03-09
Company: EQUIFAX, 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:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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:
I have anunverified account from XXXX XXXX  I had previously disputedthis account. I have never done business with XXXX XXXX Pursuant to the Fair DebtCollection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debtpurport I owe.I request that XXXX XXXX provide verification of the following : 1.The original Application or contract ; 2.Any and all statements allegedly related to this debt ; 3.Any and all signed receipts ; 4.Any and all canceled checks ; 5.Original date of default and collection activity begin 6.Whether you purchased the debt, and if so, the amountpaid for the debt 7.The date ( s ) the debt allegedly accrued ; 8.An itemization of thecosts, including an accounting, forany additional interest, charges, or other fees placed on this account. I want to requestthat XXXX XXXX  Cease and Desist all further communications and collection activesand provide the verification of the purported debt.

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 2017-11-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
ii have been in my home since XXXX when i purchased my home i included my taxes insurance and mortgage as one payment so i received notification that my taxes werent being paid from XXXX thru XXXX i had no clue of this my mortgage company told me to contact my tax office get the amount due and they would take care of it which they supposed to have been doing antway so they paid it and now want me to reimburse them thru my escrow i dont understand why all of a sudden this happened from XXXX to XXXX but not XXXX to XXXX its not fair for me to be taken advantage of while im already struggling to do the right thing by paying my mortgage please help me get this resolved carrington mortgage says my escrow is {$5900.00} behind and i owe them that so they went up on my house note byXXXX $ please help get this resolved thru this complaint thank sincereley XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal 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 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I asked this newsletter to stop emailing me many times, and they refused. They basically dared me to stop them. XXXX XXXX  Act issue.

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