BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been receiving repeated calls from a variety of phone numbers over the past three weeks located in XXXX, NY. The calls use a combination of real people and a recorded voice. They threaten to call my employer and that they have legal claims against me. They say that if I dont call them, they will take legal action. I called them using the claim number they gave me ( XXXX ) and they wanted my social security number, plus a lot of additional personal information. Plus, they wanted payments in order for it to go away. Im a smart person and knew that I had no legal cases pending against me. I also XXXX  the phone number ( XXXX ) and there were many people who reported the same harassing calls and that they were spam. The callers have also been calling my husband 's Phone on behalf of me and who knows what other relatives of mine. I have been blocking them, but I dont want them calling my employer or any of my relatives. This is harassment and needs to stop. I have been registered on the Do Not Call list for years.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-23
Company: CCS Financial Services, 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:
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$270.00} 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 CREDIT COLLECTION SERVICES {$270.00} 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, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Under Regulation E ( 12 CFR 205.6 ), I did not authorize a transfer of 3 payments of {$300.00} not involving loss or theft of an access device. A total of {$900.00} was taken from my XXXX XXXX account through Zelle on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2019, I called the ( XXXX ) XXXX XXXX number and ordered my credit report from all three credit reporting agencies, which included Equifax . received my report from XXXX and XXXX, but never received anything from Equifax. 

On XX/XX/2019, I called ( XXXX ) XXXX and ordered my credit report from Equifax once again, since I never received it ; to date still have not received it. I called cfpb for Equifax 's phone number, and was given ( XXXX ) XXXX, but that number only refers you back to the " XXXX '' number I previously call ; so I once again requested my report, but have no illusions about receiving it, given the past results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to save my home from foreclosure by applying for mortgage assistance and a loan modification. I sent my package on XX/XX/XXXX and was told it had been deemed complete and advanced to underwriting on XX/XX/XXXX with a foreclosure hold placed on XX/XX/XXXX. I was also told at this time that they are legally required to complete their review within 30 days. So I entirely expected to have this done and know whether I can save my home by XX/XX/XXXX or XX/XX/XXXX at the latest. Naturally I am concerned that the process has been delayed over a week past the legal deadline. But that is not why I am filing a complaint. I am specifically filing my complain against XXXX XXXX, the asset manager. I could understand why they might be a little bit behind, but XXXX XXXX is being deliberately non-communicative regarding the status of my modification. All I want is information -- a simple explanation of why my file is delayed and what I can do if anything in order to move my file from point A to point B. Instead I am getting ignored and even hung-up when I try to speak with him. This is not only unprofessional, it 's unethical. They are breaking the law by stalling the disclosure of my decision and I am entitled to know why, and they are doing this with utter disregard as to how this jeopardizes my home and livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I received a debt collection letter from a company called Caine & Weiner with  amount of {$190.00}. The letter states the creditor is XXXX XXXX XXXX XXXX. 

I have never done any business with XXXX XXXX in many years so the creditor is completely bogus. The amount, of course, is also bogus. I called the collector and asked them what is involved, and eventually they mentioned it is related to an XXXX XXXX XXXX bought a few months back from an Internet seller named " XXXX Online shopping '' ( XXXX ). The XXXX XXXX is dead on arrival ( completely unusable ). However I could not contact the seller at all. The email address it provided is bogus ( email to it gets bounced back ). So eventually I contacted my credit card company to dispute the charge. The charge was eventually dropped since the product never worked. And I believe that the original seller is operating a scam business to sell non-working product and then tries to collect money from buyer via debt collection. 

Please investigate such fraud business. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During the pandemic our financial situation greatly changed. I contacted PNC Bank on XX/XX/2021 through their messenger function. When the XXXX payment hit our account for the child tax credit the XXXX added funds to allow it to credit the entire amount, and then there was a ton of confusion that caused unnecessary overdraft fees. They would only reimburse partial of the overdraft fees. 
They have continued to charge over draft fees during the pandemic practically stealing our money. They told us that they would not refund any future issues. Taking from someone who is already negative just because of how a check hits ( dates via mail ) is absolutely unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
Company: Medical Business Bureau
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:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MEDICAL BUSINESS BUREAU {$80.00} 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 MEDICAL BUSINESS BUREAU {$80.00} 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, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BB&T CORPORATION
State: AL
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:
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX XXXX  XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My son received a letter from XXXX XXXX denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to Trans Union and the Better Business Bureau. I also called Trans Union at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to www.transunion.comXXXX, but because my son is a XXXX, this application was discarded. My child is a XXXX and information on the credit card application was incorrect, but I am unable to contact Trans Union to have it removed.

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 2021-12-03
Company: Continental Finance Company, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have received a credit card I never applied for and they even spelled my name wrong but it still shows up under me as if I applied for it and is activated

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 2023-03-09
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my consumer report there is an account being reported as debt owed. This account is showing deliquent on my account and its affecting my credit worthiness. I contacted the company that the debt collectors are saying there are trying to collect for and recieved proof from the company that the account can not be verified because the have no information on me. I belevive that this account was apart of be identity being stolen and used which is why I have a fraud alert on my account from a previous address. I woill like for this account to removed immediately from my consumer file because it is not accurate and not validated to be mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Collection Information Bureau, 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 DATE : XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : DXXXX XXXX XXXX {$770.00} 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 XXXX XXXX XXXX {$770.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of Identity Theft and filed a full police report regarding the Identity Theft and the impact of the negative items on my credit report that do not belong to me. I filed a formal letter to Equifax reporting the Identity Theft along with a copy of the Police Report and asked them to remove the items listed on my credit report that do not belong to me as they were from the ID theft and Equifax has refused to remove these items after 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, 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:
A few months ago I filed a complaint on XXXX because they were reporting an old card that was lost or stolen inaccurately. XXXX was reporting late payments on my credit every month for three years. You all helped me and XXXX corrected the error. Now out of nowhere, XXXX just report a 30 day late payment on my credit for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Here we go again with the same problem. I have had no interaction with XXXX since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple disputes with experian to remove XXXX from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with XXXX and the manager stated nope from experian has requested and information 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 2019-07-16
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation