BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: CAINE & WEINER COMPANY, INC.
State: IN
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 do not understand why you are still continuing to contact me and send me correspondence saying I owe you debt and you are putting an account I dont have with you in collections. I am not liable for any debt with your company and placing more derogatory remarks marks on my credit report will be in clear violation of the credit consumer laws. You sent a letter saying you are putting me in collections, I dont know if your company is not understanding or what seems to be the communication. You have failed numerous times to come forth with any signed contract between your me and your company. You are violating my rights continuously. I have told your company to cease and desist all forms of communication with me and now I am being harassed by your company. Let me state the consumer rights laws once again since you are having problems with understanding it. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate.

If any derogatory remarks or collections for this company, that I have no contract with, are listed on my credit reports I will have no choice but to seek legal advice and take further action for your company breaking the law and continuing to harass me month after month. 

This will be my last time writing you about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX  XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Eagle Recovery Associates, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 I was repeatedly called from a XXXX number while engaged at workcausing a disturbance in the work place. From XXXX I am not authorized to answer my phone unless I am on breakwhich I was not until shortly after these calls in order to control the situation ; having to take a premature break time to address this. This was incredibly disruptive

Company response to consumer: Untimely response
Consumer complaint received 2023-11-28
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Netcredit is continuing to report inaccurate information to my credit report. I have disputed this item with XXXX and XXXX many times but they are negligently not correcting this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/2022 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'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-03-05
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/20 my sister sent me {$5000.00} through a domestic online wire transfer through XXXX XXXX. I use PNC bank and they say they have no record of the transfer and the money has now left her account and is not in mine. There is {$5000.00} just missing. XXXX XXXX is claiming the problem is with PNC and PNC is claiming the problem lies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Hillcrest Davidson & Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a service contract with Fluent for 36 months starting from XXXX, XXXX XXXX thru XXXX, XXXX XXXX. For nearly four months or since XX/XX/XXXX prior to my end of termination date, I attempted several times to cancel my contract believing that I didn't have such a long term. With several phone and email exchanges between myself and Fluent - in XXXX of XXXX I was mailed a copy of my original contract. I did correct my understanding and agreed to fulfil the balance of my initial contract in lieu of paying cancellation fees or early termination fees as I was explained that I could cancel, but would still have to pay. I made it very clear that my intention was to not continue my contract and that was confirmed via several conversations and account notes as mentioned by the various representatives that I spoke with. Having my intentions clear - following my initial term, I continued to be billed on my credit card for the services I had cancelled. I reached out to the bank for them to put a hold or cancel my accounts affixed to Fluent and filed a claim with their fraud department. After a couple months of this activity - Fluent attempted to start collecting a debt on the account and implied that because I didn't issue a letter or fax to their business address that my account auto-renewed for another 36 months. I emphatically stated that my account had been terminated and that their product had been removed from my residence due and that they were no longer authorized to monitor anything about my property. This correspondence took place for several months whereby an automated or scripted response was issued about me owing for an additional contract because I didn't cancel 30 days before my initial term. Apparently and after the fact, this company implies that it will accept Fax ( electronic ) and certified mail as their only means for termination of a contract for which all correspondence for three years on this account were all by digital means ( phone or emails ). This company being fully aware of my intent to cancel well before the 30 day cancellation term didn't one time imply that they didn't understand my intent. In fact, their emails state that they do understand and had received my messages. 

After my initial term had expired- all future correspondence was every attempt to collect another 36 months worth of their services of which I do not want, and had made my position very clear. 

Outside of my position- there are several who are experiencing the same treatment from this company. Tactics of ignoring requirements until some position of leverage within their documentation support their position to force customers to continue or not be let out of their contracts. Examples of this can be provided upon request.

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 2018-12-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-08-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXBalance Owed : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying for 3 days to have a credit freeze temporarily removed from my Equifax account. I have called and talked with 4 different individuals. I have no access to my account. My password has been reset 3 times by Equifax and only works the 1st login then reverts back to the " incorrect information '' scenario. I have attempted to reset the password myself and I either get -- '' information does not match '' or the link is never sent to my email. I have spent an exorbitant amount of time on the phone with Equifax to no avail. I am trying to open a bank account and have spoken to the lender after Equifax has told me the freeze is lifted and the bank tells me it is not. I am being held hostage and I am unable to conduct business due to the incompetence and technical disaster they call a website -- -please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-03-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank claims to have sent a document to verify my SSN around the opening of my account yet have not attempted to reach out in any other way notifying me to expect this document. On XX/XX/20 Chase bank restricted my account which I only found out after going in to the local branch on XX/XX/20 to apply for a credit card. I was informed that I would not have access to my funds at all and to fill out a form that would be sent in wherein my account would be unrestricted in two days with the possibility of it being completed the next day. I signed my name on the document and verified it with the associate in the branch who then sent it off. The next day XX/XX/20 I contact the customer support number and get transferred to the compliance department to check on the status of the application where I was informed that the document was missing information and that I could in fact actually retrieve funds in the interim while the document was being processed if I go to a branch. That same day I leave work early to go back to the local branch and was assisted by the branch manager who had me fill out the form again with all the information this time and was informed that there was still a two day processing time before my funds would be released and that I would have to go to another branch to get the interim funds which would be closed when I arrive. Due to this I had to go retrieve funds the next day. 

On XX/XX/20 I go into the other branch an was able to pull a requested {$50.00} from the account on the branch managers approval. 

On XX/XX/20 I call the customer service number and was connected to compliance again only to be told there is an outage with the system that handles those requests and that my account will not be available until next week XX/XX/20 at the earliest. 

In this time my account was restricted I have had rent due, I have bills pending to be due and likely pending a late fee should they not be paid of which will report negatively on utility accounts and mar an otherwise perfect payment history I have had with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was illegally moved out of my lease after putting a notice to vacate and was precise that I would finish lease but wanted to put in advance of 60 day window to be able to keep deposit. They moved me out of apartment while I was still paying rent ( on time ) was never notified of situation. The sent remaining money that would have been on the lease straight to collections and didnt work or talk anything out. Lease ended this month this collections where sent in XXXX so lease was almost up. They sent me a bill saying XXXX on XX/XX/25 but sent to collections a bill of XXXX. The apartments are XXXX XXXX XXXX in XXXX XXXX and debt collection agency is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX is in violation of CA anti-dual tracking laws and is guilty of acting in bad faith on a real estate transaction. At issue is a short sale request that was submitted to XXXX XXXX and XXXX XXXX confirmed receipt of a complete package. Once the package was complete XXXX XXXX is legally obligated to postpone their foreclosure sale date for XX/XX/18 which they have not. 

Additionally on XX/XX/18 the underwriter on the file acted in bad faith when they denied the short sale for a bogus reason of " title issues ''. All lenders understand short sales have title issues and have a legal obligation to work a short sale and provide a short sale approval letter so that junior lien holders will know how much is being offered. XXXX XXXX had a good faith obligation to advise what title issues they were concerned with and allow time to have those title issues responded to. They did not. They did not because they are acting as a foreclosure mill breaking laws and had no interest in doing what they are legally required to do which is help homeowner avoid foreclosure. XXXX XXXX should have their license pulled from CA since they can not operate within CA laws. 

Also as notated by the email attached the title issue XXXX XXXX was referring to clearly states they require XXXX XXXX approval letter before they will work short sale which is standard industry practice.

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 2023-12-06
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company who represent Best Buy keeps on calling me daily or every other day, so little time away from XXXX more than once a day, even though I am making payments monthly. Theres no need to repeat calling me as they have been deducted money from my account monthly. I feel this is harassment like I try to sleep during the day as I work nights and this is quite too much and seems like the mount is not going down at all either Also says that my payments are late but they are schedule payments so its a lie and theyre bringing down my credit and this is the stop

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 2023-01-05
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by RENT RECOVERY SOLUTIONS in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. I would like for this account to be removed from account Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. 
I refuse to pay this debt. 
Send and XXXX XXXX pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. 
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. 
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. 
a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, 225 F.3d at 404-05. ) Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I believe I reported this to your bureau already and they initially said the time wasn't completed to allow them to complete investigation and the date kept changing citing new inquiry just like I expect the date to change again and it's been over a year. I allege they are not investigating this dispute they are manipulating the dates. I want them to stop as I was kept from opening a new dispute for another company because this dispute from XX/XX/XXXX. If this adversely affects my credit report they have impacted my report and if this would have affected my positively they have adversely affected my report, I believe they are in violation ( In addition, specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to $ XXXX.XX/XX/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 2023-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX  I account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A States that I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation