BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C. System Inc. is INACCURATELY reporting a debt for an account that has been previously SETTLED AND PAID IN FULL with the original creditor. The original Creditor was XXXX - XXXX XXXX. On XX/XX/2020 I sent a debt validation request to IC System Inc. regarding an alleged debt of {$75.00}. On XX/XX/2020 I received a letter from their office with information from the original creditor. Immediately I contacted XXXX XXXX directly and sent payment for {$75.00} via USPS money order dated XX/XX/2020 to XXXX ( original creditor ) : XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/2020 IC System Inc. FALSELY reported to the credit reporting agencies a debt for {$75.00}. They are in serious violation of the FDCPA Section 808 as they DID NOT provide a statement on their written notice which I received on XX/XX/2020 giving me the consumer 30 days to act on the alleged debt. It should be noted that 30 days of RECEIPT of their notice had not yet been met as of XX/XX/2020 the day they FALSELY reported this account to the CRA 's. They also are in violation of the FCRA as they reported the amount owed for this debt was {$75.00} which is INACCURATE. In addition they are attempting a debt during the pandemic which is a violation of the CARES Act specific to New York State.

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 2020-10-28
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pheaa/American Education Services is claiming that my account is delinquent when I've already made the payment. They claim that if the payment is " processing '', the account is still in a delinquent status. I'm not sure what world Pheaa/AES lives in, but I think they completely misunderstand the concept of what happens when a debt is paid. When you pay a debt, the status is immediately treated as satisfied UNTIL the payment is returned by the bank. The fact that they wait 2-3 business days to " process '' a payment to fulfill their obligations with reporting accurate information is beyond egregious.

There were 2 employees from the company who offended me and I wish for both of them to be terminated indefinitely for their poor treatment of customers over the phone.

One goes by the name of " XXXX '' and the other " XXXX '' Pheaa/AES, let 's say you're 2 days late on the electric bill. The electric company turns off your energy in the building, but someone from your district office calls to make the payment. The electric company says " It will take 2 business days to process your payment BEFORE we are able to turn your electric back on. Sorry! '' I really doubt that happens! Therefore, you should be treating my situation in the same way.

I also have an issue with Pheaa/AES when it comes to 2 way calling. They claim that they record the conversations, but then do not give authorization on their end for me to record the call, but they continue recording the call. I believe that just might be subject to analysis by the state because in Pennsylvania, no party can continue recording the conversation if both parties are not in agreement of the other recording the call. I'm almost positive Pheaa/AES records the calls even after I had agreed not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAINE & WEINER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: MS
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:
After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX XXXX XXXX, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXX. XXXX XXXX, XXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.

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 2020-10-28
Company: International Computer Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company only sent me 2 letters of collection. They stated they tried to call me but they did not leave any voice mails. FCS took over my bill from XXXX and XXXX in XXXX of XXXX. They did not tell me I must make {$25.00} a month payments for them NOT to report this an as unpaid collection item on my credit report. I did contact the company in XXXX trying to settle for a lesser amount they would not accept, telling me that was insurance fraud. All this time I made {$20.00} payments each month on or about the XXXX. I have made several attempts to talk to the supervisor XXXX XXXX XXXX, she will not return my calls. My credit score took a 100 point hit. I find there way of business to be shameful. I'm a lender at a bank myself, we do not treat customers this way. Especially when they do try to pay there debts. I have rights under the fair credit reporting act, this was unfair treatment along with unfair reporting. I did tell the company in one call that I could only make the {$20.00} payment due to helping my parents, because they lost some income due to Covid-19. I am a single mom, trying to raise a daughter, pay my bills and help my parents, they should have some leniency through such a difficult financial time as we are facing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Convergent Resources, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called this company calling itself Convergence Outsourcing to get this guy trying to collect on a debt I dont know if belongs to me. Of corse he got my information or had my information. I ask why they was reported fake addresses & phone numbers. Told him my social security number was used in prison system. I got pervert messages, ongoing XXXX messages sent to my cellphone. Their has been vandalizem to my vehicle & ongoing hit n runs on my vehicle.The culprits changed my DMV records to old addresses & left threatening notes on my vehicle. Using some kind of dynamic dialing system to hacking into my cellphone. Also they have sent my credit reports to unknowns addresses. They have threatened me with having my drivers license # & all my personal information threw text messages. Got into my car insurance policy online account. 
Had my vehicle reregistered in redding. I have disputed the same information they keep buying & addresses not mine, while someone is using my credit & buying & selling property changing my year of birth on my credit files. 3 companies that work for these culprits have same info. I gotten bags of default messages for a XXXX XXXX XXXX & hacking into my cellphone stealing data & following me stealing property out of my vehicle such as my handicap placecard & whatever I might have stored in my vehicle. My vehicle was starting without the keys & was taking to other towns without me. The culprits has cost me nothing but time & money harassing me threw my cellphone & threw the internet

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 2021-05-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Paypal Hold my money, after I fixed the shipment info they said I'll be able to get the money after 7 days but then it's been 10days already but the money is still on hold. I am not sure if this is some mistake as I assume it has to be. There were several holds they've done to me and it feels so inconvenient. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i received a default letter of an amount I owed of which was a total of $XXXX of which there was a Charge of $XXXX in purchases that i questioned and stated were not made.  Synchrony Bank review purchases thru XX/XX/XXXX and could not tell me where they came from.  That day they started a dispute file and stated to me it would take 30-60 days to resolve.  Since then i have spoke to them every week XX/XX/XXXX spoke with XXXX and stated its was under dispute and she noted it would take 30-60 days to resolve.  XX/XX/XXXX spoke to XXXX she stated there was a resolution for which I never received in the mail which was stated to me and they had to reopen  because they did not see it resolved and again would take 30-60 days. every week since them i keep reminding them the account is under dispute and until the purchases that were not made are resolved the bill would not be paid.  as of today, XX/XX/XXXX the resolution still has not been acheived and they still have not answered the request of where the original purchases came from.  I speak to them still every week.  they stated the week of XX/XX/XXXX a letter of resolution was sent out, but the letter i received was agian just a past due notice with no resolution.  they keep reporting me as past due and keep sending me late payment fees but still have not answered my questions.so i am looking to this  organization to assist in moving this dispute forward and get it resolved.

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 monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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 REPORTER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX CREDIT 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR 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 explanation
Consumer complaint received 2018-08-31
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company XXXX XXXX is collecting on behalf of XXXX 's, and has been calling my phone repeatedly back to back. On XX/XX/XXXXthe company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.

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 2020-10-28
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have notified all 3 credit bureaus that I am a victim of identity theft. XXXX  and XXXX have been very helpful and resourceful. Unfortunately Equifax has been and continues to be rude, unprofessional and no help in my time of need to resolve the issues with my credit report. I have called and kept getting transferred after transfers then the representative would drop the calls on purpose which causes me to go through the whole process all over again. The representatives are rude and unconcerned. I have sent in everything they asked for with all documents to prove Identity theft, police report information, FTC report, multiple copies of my ID, and Social security card. Just for them to say they can help fix my issues on the report of fraudulent inquiries. I have reached out to the companies they said to resolved with the credit bureaus which I XXXX  and XXXX have been excellent about resolving but Equifax have been flat out difficult, rude, unprofessional, and unwilling able to help during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citizens bank allowed recurring transfer to go through after account was closed. Now the transfer and my account login is deleted so I need the {$10.00} sent to me via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at 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
Consumer complaint received 2020-12-09
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I was served with a Civil Summons under file # XXXX in the state of North Carolina XXXX County by Plaintiff MIDLAND FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX for an old XXXX XXXX  account that was purchased by Midland Funding LLC. I was never notified of the sale of the debt between Midland Funding LLC and XXXX XXXX  and now Midland Funding LLC has threatened to sue me and place a judgement on the account on my public record file. I am a NC commissioned insurance agent and must report all civil or criminal issues to the Insurance Commision and can loose my license over this matter. I went to XXXX Co courthouse to file a answer to compliant on XX/XX/2020 and request further information and full disclosure of all transactions on the account. I reached out to the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to attempt to get a settlement agreement and was told that they offer no agreements and if I still make payment they still will be place a 10 year judgement on my public record. I spoke with a supervisor XXXX and was advised that even if I do settle I must sign their consent form that allows their law office to place a 10 year judgement on my records. This should be against the law somehow. I contacted other debit collectors and have never had this situation happen before. I am try to refinance my home and as a new agent I haven't been able to gain full time employment during the pandemic. Now I'm faced with charges on my public record and unable to refinance due to this issue with this lender. Please help me I am now awaiting a court date since I am choosing to go to court to see a judge regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My fathers 401K was distributed back in XX/XX/2022 to XXXX XXXX and then when XXXX XXXX moved to Charles Schwab Bank the money never transferred. I was told that the amounts had been distributed and that they would transfer to Charles Schwab Bank but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2023-09-01
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:
Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of XXXX, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. They rented me a severely damaged car. Before I returned the car, they charged my Wells Fargo credit card for damages. Then they stated I caused the damage, even though it was damaged when I rented it. They charge me before they even saw the returned car. This is a scam run by the rental car company. 

My Wells Fargo credit card has fraud protection. I disputed the charges. They person I spoke to at Wells Fargo in the dispute department agreed that it was fraudulent. The charges were refunded. In XXXX of XXXX, I closed the credit card. In XXXX of XXXX, after the card had been closed for several months, they charged my closed credit card for the amounts I was disputing. 

Posting date/charge : XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} I have attached my most recent statement showing the credit card is closed and transaction history showing the charges.

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 2019-08-20
Company: Caliber Home Loans, 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: Account information incorrect

Complaint:
I refinanced my home with Caliber home loans which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: CA
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 reporter act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 usc 1681 section 602 a states I have the right to privacy.

15 usc 1681 section 604 a also states a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation