BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: CAINE & WEINER COMPANY, INC.
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX CAINE WEINER 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 CAINE WEINER 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 Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In Regards to my XXXX XXXX XXXX # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX XXXX began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which XXXX has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z

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 2022-10-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX, consumer, HEREBY DEMAND LVNV Funding LLC to comply with the Fair Debt Collection Practices Act15 U.S. Code 1692g ( b ) - Validation of debts. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Old information reappears or never goes away

Complaint:
the debt of {$65.00} to XXXX XXXX was paid on XX/XX/2021. I contacted them and they said they are not sure why the collection company, XXXX XXXX XXXX XXXX XXXX is still reporting the debt. It should have been deleted.

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 2018-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX, XXXX  XXXX opened a credit card from Capital one and assigned her daughter, XXXX XXXX as an authorized user. XXXX defaulted on her payment and as a result, the Capital One reported a claim on XX/XX/XXXX. XXXX XXXX, now at the age of XXXX is applying for a Mortgage loan and came to the dismay that the credit card her mom opened and defaulted on is affecting her credit today. XXXX XXXX would like to request the removal of the Capital One Credit Card due to only being an authorized user at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was awarded several TEACH Grants which some have not been converted to loans. One in XX/XX/XXXX and one in XX/XX/XXXX. I have contacted the Lenders that originated the grant, which now have been bought out by XXXX. They claim that they can not check into any documentation that may have been provided and therefore can not change the conversion of the grant. This has caused me to owe more toward my student loans and I feel it is unfair and misrepresented the intent of the grant. I am still working in the special education field and have satisfied my requirements towards the grants. They should have never been converted to loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2019-11-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo released the lien on this vehicle and gave me the Title after a year of trying to get them to pick it up. They deemed it not valuable or resellable due to the odometer rollback by XXXX dealership before my purchasing. They were the reason I was filing Chapter XXXX because the discharge Wells Fargo put on my credit XX/XX/2018. I'm enclosing a copy of the lien Release from Wells Fargo and the bill. I called and spoke to a XXXX XXXX who told me '' he didn't care about a lien release I stilled owed the debt and that I was not special who did I think was nobody gets a release for free this needed to be paid that I drove the car and used up its value!

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 2019-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE ROPTED TO FTC, I HAVE WRITTEN EQUIFAX WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment. 

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation? 

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY. 

Please have XXXX telephone the originator of the complaint immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a cancellation with XXXX for 4 trips ; XXXX emailed me on XX/XX/XXXX stating all the charges done end of XX/XX/2019 of {$280.00}, {$200.00}, {$91.00} and {$360.00} were processed back onto my credit card on XXXX. 

I never saw it come back onto my c/c I constantly wrote and emailed Citibank too asking why didn't they give me the credit. I had to file a claim with CFPB over this # XXXX too! 

I received a call on XX/XX/XXXX XXXX from XXXX XXXX in the Direct Executive Office, phone # XXXX, email XXXX. 

She said that the credit was given on XX/XX/XXXX ( so who was lying Citibank or XXXX over this XX/XX/XXXX original credit date? ). Then she said that 'their system backdated the credits to XXXX - which technically isn't correct to basic GAAP accounting procedures either. 

She said that their staff, XXXX on XX/XX/XXXX at XXXX via Citibank portal chat, didn't do their job correctly when she said that they would send me a check for the refund check that amount. That there was an override that would have to be made. 

XXXX said that within 24 hours which would be XX/XX/XXXX, that the full amount of the above 4 charges would be transferred into our personal checking account. 
I emailed XXXX the information she requested regarding XXXX XXXX email ; which was sent XX/XX/XXXX at XXXX. 

Guess what XXXX lied too - there are no funds into our account as of this morning XX/XX/XXXX 6 days later from the first contact with XXXX. 

If we don't have it within 7 calendar days after filing this claim, we will sue Citibank within small claims court ; as they have had our money since XX/XX/XXXX and are refusing to send it back to us.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: RI
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been having an ongoing dispute with Portfolio Recovery Associates that has been running for over a year now without resolution. They are reporting when I have never entered into any agreement with them or been provided any services by them. They have never verified the alleged debts that they are claiming. They are collecting without any permission. In fact, the accounts they are claiming to be collecting on dont even exist on my credit. Despite PRA stating the limited documentation they mail in response to me establishes validation they havent accomplished that yet to date as emphasized in the many disputes and complaints I have filed against them. 
That said, I was pleased to find that they were closed and removed from my XXXX   credit file as of XX/XX/2020. I am hopeful that these accounts stay off of my credit for good in keeping with PRAs failure to properly prove these claims. I also am putting this complaint through to the CFPB in the hope and expectation that these accounts will be similarly removed from my XXXX  and XXXX credit files in the same way that they have been removed from XXXX  and that they permanently remain off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian refuses to unlock my credit report using their feature called " XXXX ''. I have tried multiple times and it is an error each time. This flaw in their system has in turn sabotaged my ability to get a XXXX loan through the XXXX for my failing business. I can not unlock my Experian File due to their system malfunctioning and in turn it can be the life or death of my business.

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 2018-04-06
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:
There are two accounts listed on my Transunion credit report, that are a result of identity theft. According to Federal Law, credit reporting agencies have a due diligence when identity theft accounts are reported with all elements as required by law. I reported these items as fraud with accordance to FEDERAL LAW 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and these items are still appearing on my credit report. The following items are : Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Creditor : XXXX Account : XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Please see police report provided with all FCRA 605 requirements. All elements required by law is contained in this request. Remove within 5 days per FCRA I have submitted the following items to the credit reporting agency and they still continue to illegally report these items. You can see all back up documentation attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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:
Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX/dept of ed {$2200.00} {$3800.00}

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 explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-13
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XX/XX/2016 Collection was reported and placed on consumer credit report. Several attempts have been made to get company to report correct information, but all cooperation with that company has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Spoke to Citibank many times and no one can help. 

They owe me {$400.00} checking account bonus.

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 2021-09-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on XX/XX/XXXXfor {$70.00} that was returned. The payment showed as though it went through on that months statement. The next month it says it was returned so I selected to pay off my balance on the card entirely. Then apparently that didnt include the return payment fee. I was then charged 2 late fees interest and finance charges on the {$25.00} fee that didnt show up on my balance after a month it was supposedly returned when I made the payment by the due date and was told there was nothing they could do to remove the return fee and only removed one of the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/2020 my XXXX XXXX XXXX and XXXX XXXX report shows a increase of XXXX just added to my report through XXXX XXXX. I called XXXX XXXX XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX and XXXX XXXX. XXXX said there are no late payments and that they will file a dispute but will take XXXX business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through XXXX XXXX  was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if XXXX  said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: John C. Heath, Attorney at Law, PLLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I spoke with a very unprofessional fast talking representative today. He wasnt helpful at all and when I informed that I no longer wished to proceed with the credit repair process he got upset, and said that I would have to speak with my paralegal, whom I dont know nor who that is and he hung up the phone. The email address that I have for this representative is XXXX. I will be reporting this company to the media.

Company response to consumer: Closed with explanation