BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : CAINE & WEINER COMPANY INC To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have repeatedly been charged less through autopay than Im told in my account that I should be paying and without my permission. The first time I noticed this was in XX/XX/XXXX, when I realized I was charged {$400.00} instead of closer to {$450.00} like I had thought I was paying. This made me take a closer look at my payment history, and these are the changes I noticed : XX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXXmonthXX/XX/XXXXXX/XX/XXXX : $ XXXX/month Prior to XX/XX/XXXX, the price per month was lower than {$440.00}, but after XX/XX/XXXX I started budgeting $ XXXX/month and assumed thats what I was paying until I finally caught on in XX/XX/XXXX. I called and talked to them then, in attempts to find out what was going on, and I was just told that autopay amounts vary and there was nothing I could do about it and that they didnt need to give me any notice or get my permission. I literally said I wanted to pay more per month and they told me that there were no plan options for me to be able to do that. 

In XX/XX/XXXX I added extra money per month to my autopay for my federal loan, because that one has a separate payment from the rest and is the only one that will allow me to autopay extra each month. This should mean my total monthly payment is now {$500.00}, which is what their website still says I pay per month as of today, XX/XX/XXXX. However, on XX/XX/XXXX, only {$370.00} was deducted from my account. What happened to the other {$120.00} even my autopay says I was supposed to be charged for the month? 

I realize it seems odd to be complaining about paying less, but this is going to lengthen the amount of time Im in debt to them, which is going to mean I pay them back even more than I agreed to in the first place. As it stands, those 15 months of lower payments means I paid {$210.00} less than I had thought. Combine that with the missing {$120.00} from this month and thats {$330.00}, which means thats an additional month of payments tacked on to my loan term, which means thats extra interest money Navient is discretely making off of me. 

Ive already been paying off my student loans for 18 years, and according to Navient I still have XXXX more to go. Its ridiculous and overwhelming enough without having to worry about companies pulling this kind of shady XXXX when all Im trying to do is pay the amount I agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card with bank of america, and the card arrived. When I try to activate it, the agent can not send the text message to my phone number. Then he try to use personal question like my car model to verify me. It is ok that time, but he can not activate it. The next several agent all asked me to go to a branch while in my state there is no branch at all. And it is impossible for me to drive 100 mile in weekday for that. Then I call them again, this time I just asked them to close the account. They can not do that either, so weird.

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 2022-05-04
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened in my name with Comerica Bank. I received a welcome package with starter checks. I called Comerica, spoke with the fraud dept. and they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Fleet Financial Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been in contact with XXXX who has been amazing and easy to speak with. As you are probably aware, XXXX is refusing to work with 3rd parties and don't want to give up the title for the XXXX XXXX XXXX. XXXX told me they sent you guys a check for {$28000.00} for it. The issue is, I have already made 3 payments with XXXX XXXX XXXX XXXX. The problem is XXXX  won't give up the title, and XXXX won't allow the loan to be unwound.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not make this inquiry, I have no affiliation with these creditors, and I request that it be promptly removed from my credit report.

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 2022-10-24
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The Complaint that I am filing is about Shellpoint mortgage and the improper communication and treatment of us during trying to short sell our home which resulted in a foreclusure, and then also incorrectly filing credit information claiming that our account is still open with them to this day, when it was closed a year ago. We originally had our loan through XXXXXXXX XXXX. They sold it to Shellpoint. We tried to short sell our home and they did not tell us that we were not approved for a short sale until we had been trying for two years. We brought multiple offers to them and they failed to communicate with us. When we found out that we didn't qualify for a short sale the only option that was left was for us to foreclose. It took shell point 4 years to foreclose on our home loan. In which time we were just waiting around for it to happen. It finally foreclosed last year in XX/XX/XXXX, at which time the account closed. We found out that they were improperly reporting an account open on our credit last year and complained and called them to resolve it. They said that it was resolved. We checked our credit today XX/XX/XXXX and it says that they are STILL reporting that we have an account open with them that is in default. We talked to a Shellpoint manager and he said that this shouldn't be happening, but that's what they said last time and they never fixed it. Because of the way that this company has failed to perform it has hugely affected my family. The foreclosure should not have taken 4 years. My family is not able to buy a home. We are living in an apartment with XXXX kids now waiting for the foreclosure to go off of our credit and whenever we check the account is still listed as open. This is completely unfair credit reporting. We are perfectly able to buy a home and we would have been able to buy one if it were not for their misreporting and lack of communication. We are not even normally the type of people that default on payments and here we are still in an apartment 5 years later because of what this company has done to us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: PNC Bank N.A.
State: IL
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 for XX/XX/2018 car payment for PNC Bank. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to Experian regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of XXXX  being able to say that they received information from any of these mentioned 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 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I WAS LOOKING INTO MY PAPERWORKS AND I FOUND THIS LETTER DATED XX/XX/XXXX2016 IT SAID THAT I OPEN THIS ACCOUNT AND THE CASE NUMBER IS XXXX.ACCOUNT ENDING IN XXXX THE ADDRESS WAS XXXX. XXXX XXXXXXXX TO THE NAME OF XXXX XXXX XXXX DONNOT KNOW WHO OPEN THIs ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX   and it's subsidaries did not cooerce me into signing false documents and making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: GA
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-09-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank all of a sudden closed my Checking Account for Fraud then from that point on C.S. Reps hung up on me, I couldn't get online access, they even told the Branch not to give out any information. I still have over {$1300.00}. in the account that was secretly told to me by my Branch Manager and that was XXXX yr ago and still have NOT recieved a closing check or what Fraud .....

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 2022-10-29
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-19
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Credit reporting 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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized removed

Company response to consumer: Closed with explanation