BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Coast to Coast Financial Solutions, 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:
Coast To Coast Financial Opened XX/XX/2018 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 Coast To Coast Financial Opened XX/XX/2018 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. 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 DOB XX/XX/XXXX 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
receive threatening phones calls all hours of the day and night I didn't opened this line of credit with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
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: Account status incorrect

Complaint:
After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( Equifax ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, XXXX  & Equifax that my account is 120+ days late in XX/XX/XXXX. The Equifax status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, XXXX  & Equifax ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have provided XXXX, XXXX and Experian standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number. 

XXXX XXXX was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ). 

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX  XXXX XXXX XXXX case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.

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 2020-05-28
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am trying to make a XXXX account to invest in crypto. I was able to make the account, but PNC doesn't let me link my bank account to my XXXX  account. This is obviously very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Please accept this correspondence as a complaint against online bank, Comenity XXXX XXXX  located in Missouri. The only phone number I have for them is XXXX. 
On XX/XX/2020, Comenity XXXX XXXX  was offering a one-year CD at a rate of 1.70 % the rate for a one-year CD. I contacted Comenity Direct Bank and spoke to XXXX and advised him I wanted to open four, one-year CD accounts. Three in the amount of {$25000.00} and one CD in the amount of {$10000.00} all at the advertised rate of 1.70 %. 
However, after numerous failed attempts to complete set-up for all four CD accounts on the XXXX, he put me on hold to get assistance in completing the additional accounts. When he returned to complete the transactions, he stated his supervisor advised him my application had to be approved before proceeding to complete the accounts. 
Every time I have contacted this bank, I have waited anywhere from 30-45 minutes to over an hour before I get to speak to anyone nor has any supervisors call me back the next day to follow up to discuss with me what the ops team or upper management decided on how to resolve this issue. 
Below is a log for every day I contacted the bank along with who I spoke to as well as the conversation I had with each one of the Banks employees. I also requested on two separate occasions to speak to the President or VP of the bank but was told they did not have that information or the online bank did not have a President or VP. I finally located and contacted someone at Comenity Capital Bank and the lady I spoke to said they were not associated with anyone at Comenity XXXX XXXX. I explained to her that at the end of their website it states that Comenity XXXX was a brand of Comenity Capital Bank. She apologized but she just sets up credit card accounts and knew nothing about Comenity XXXX XXXX  nor where they associated with Comenity XXXX XXXX. 
Any assistance you could provide would be greatly appreciated. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, I had been a resident of XXXX XXXX  XXXX XXXX XXXX XXXX Texas - XXXX for almost three years. At the time when I first rented the apartment, I paid a security deposit of USD XXXX. At the time of vacation, I was charged USD XXXX, which included reletting fee ( XXXX ), damages ( XXXX ), and cleaning charges ( XXXX ). I paid the complete amount through my credit card. In the invoice provided, they no where mentioned about the adjustment of the security deposit I paid during first renting out the apartment. 

When I realized, I tried to reach out to the XXXX XXXX  at the same address through phone as they were not available in office due to covid-19. At first, no one answers the call, which can be confirmed from the residents there, they also practice racism. Finally, I wrote them email as well and after many attempts could connect with them over the phone. The response was improper and they were not pleasant while talking. 

Now, they are sending me notices for paying USD XXXX via the Rent Recovery Solutions, LLC. Also, my credit history also got a hit as it has been wrongly reported. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, as an accomplice employed on the behalf of CAPITAL ONE FINANCIAL CORPORATION and the CAPITAL ONE FINANCIAL CORPORATION and CAPITAL ONE LLC and all CAPITAL ONE subsidiaries contracted with the parent corporation for the violation of Title III American Disabilities Act also known as ADA after repeated warnings and a cease and desist communication in XX/XX/2018 the CAPITAL ONE FINANCIAL CORPORATION has violated the ADA and the offenders are subject to {$50000.00} penalty for the first offense and a {$100000.00} penalty for the second therein and CAPITAL ONE FINANCIAL CORPORATION and XXXX XXXX have egregiously violated my rights with the perjury claim document provided for the false security alert claim as they have block access to the account strategically and precisely to cause and or generate and charge additional fees for the credit card accounts in which they have no record to provide as to how the accounts were actually created and or refusing to disclose the corresponding entries for the bank book ledger and the document contract with their signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: GMA Investments, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX XXXX I received a phone call from a unknown number. I waited to hear the voicemail to see who it was. Not even 15 minutes has gone by and my mom, dad, sister and my brother in law all texted me saying the same number called them leaving a voicemail. I called the number back after getting ready for my day. The guy on the phone by the name XXXX had asked me have I ever been sued by a company, I said no. Me trusting the company I had set up payment arrangements. After the payment didn't go through since I had to change my card info I received a phone call from my caller ID stating it was the district attorneys office. The gentleman left a message on my voicemail stating his name is a XXXX XXXX. He didn't give me a first name, no number to reach him at, but gave me the same number XXXX has called me from. After closely listening to both voicemails it is the same guy. So not only has he called all my family he has also falsely identified himself to intimidate me to pay this company. Today XX/XX/2019 I had reached out the original company I owed to see if I can pay them, they gave me the company they sent it off to. I called that number and she had told me they sent it to the Summit Receivables. I explained to her everything this guy has done to get me to pay this debt. She informed that he is not allowed to do that so she had referred me to the manager over, but she never gave me a call. I'm not going to be harassed.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-18
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold on XX/XX/XXXX. My former mortgage company auto-debited a half payment on XX/XX/XXXX. This payment was debited for a closed mortgage account. The bank was not authorized to take this money. The bank sent me a letter in XX/XX/XXXX notifying me that the mortgage was being sold and that the auto-debit would stop.

I contacted the bank. The person on the phone agreed that this payment was not authorized and is sending to a " transfer '' department. It takes three to five business days for the department to review the activity.

The bank was not entitled to the transfer. The bank lacks the internal controls to ensure that payments are not auto-debited from closed accounts. The bank will not process a refund immediately. The payment was in excess of {$2300.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Both my son and I try to get a loan payment deferred for a month due to layoffs because of the pandemic. In a world where everyone is bending over backwards to help everyone we were told credit acceptance Corp is not offering that at this time. they should be ashamed of themselves

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 2019-02-27
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:
Hello my name is XXXX XXXX. I am having a huge problem with having several fraudulent accounts deleted from my Transunion Credit File. File Number XXXX. I have recently contacted the FTC to file a complaint as well, I have provided Transunion with a copy of my police report that list the fraudulent entries and after 4 months my situation remains the same. 

I have list the 6 FRAUDULENT COLLECTION ACCOUNTS BELOW 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 explanation
Consumer complaint received 2020-06-04
Company: CITIBANK, N.A.
State: CA
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:
XXXX  Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. XXXX  failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to XXXX  dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, XXXX  must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified XXXX  of the problem on XX/XX/2020, XXXX   continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, XXXX  continues to report the inaccurate information on my consumer credit report from them.

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 2019-02-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX died on XXXX and I was selected to take care of his final affairs, trust will ect. I closed his credit card with Citibank aprox 2 weeks after his death. Then in XXXX of XXXX a credit was issued back to his card from XXXX of the insurance companies that had direct payment set up with my father Citibank credit card. In XXXX a credit of {$720.00}. 24 was issued to the credit card. I called Citibank and requested the funds be sent to his address on file. The agent requested I provide documents showing my role in the estate/trust which I provided. I called back two days later and they confirmed all paper work was in order. The agent then related I would receive a refund in the amount of {$720.00} by the end of XXXX. When the funds didn't arrived I called back at the end of XXXX and talked to XXXX # XXXX in the probate dept. She related the check was issued then cancelled she didn't know why but would submit a new request. She return to the telephone and related everything was in order and the check would be received by XX/XX/XXXX. When the funds didn't arrived I called back on XX/XX/XXXX and again talk to XXXX. She related the check was issued then cancelled again. She didn't understand why. She did research and found out it was an internal error on Citibank end. The check would be reissued and it would be received with 30 days. When the check didn't arrived I called back on XX/XX/XXXX spoke with another agent she related the check was never sent and didn't know why. I then requested to speak with a supervisor I was then transferred to XXXX # XXXX. She look at the case and couldn't understand why the check wasn't sent. She contacted the check issuing dept and was told it would be placed on rush and I should receive it within 10 business day. On XX/XX/XXXX I called back after having not received the refund and spoke to XXXX again she related the check was issued but not printed yet it would be done soon. On XX/XX/XXXX the check still hadn't arrived so I called XXXX back again and she related the check was not issued because it was involved in a batch of checks that were recalled. She related I couldn't talk to anyone else and it would be another 10 business days before it would be reissued. She also said I couldn't talk to anyone else and she wasn't a supervisor and wouldn't give me her supervisors name. If I had a problem I could write a letter to the office of the president. 

It has been 4 months since I contact Citibank XXXX XXXX and I still haven't received the credit refund. The estate/trust has been waiting for the refund so it can be closed. This has become nothing less then a joke dealing with Citibank and XXXX is the worst of all.

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