BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: Caneel Capital, LLC
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I sent Trinity Financial Services an offer letter datedXX/XX/XXXX to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on acceptance to the offer or counter offer. I have called in almost every other day with no response, been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They lowered my credit limit and stated it was because of what the credit bureaus notified them. I spoke to all 3 bureaus and they state they didnt. Ot notify them of anything as the company would have to request. I've heard of Comentity doing this to XXXX Americans quite frequently and it is very unethical. I have an extended fraud alert on all 3 files and I didnt give anyone permission to access my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company TRANSWORLD SYSTEMS INC said I owed {$10000.00} for XXXX XXXX and Tolls. They agreed to take {$2000.00}. I paid {$200.00} every week from XXXX? XX/XX/XXXX to XX/XX/XXXX. 
When I called to make the final {$600.00} payment, they came up with another figure that I owed them which was {$600.00}, they said I still owed {$1700.00}. I wasnt sureee but said ... Lets get rid of this debt. So the woman, XXXX XXXX, said pay {$1700.00} today, which I did and then every other week ( for 8 more payments ( pay {$200.00} every other week starting XX/XX/XXXX. I have already made 3 payments of {$200.00}, bringing my ( supposed ) debt down to {$1000.00}. 

Today I got a bill from them ( typical ) in the ammt of {$8200.00}. So they say they will give me these deals ( drop the total and pay an agrreed upon ammount but keep sending bills for a larger ammt. 

I no longer have a XXXX  I just pay the bills as they come in the mail ... ex. XXXX BY MAIL etc. These people are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Aldridge Pite, LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Under my private rights of action and administrative process I want to report that Clear Recon Corp. Debt Collector and Foreclosure Trustee has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. I never contracted with Clear Recon Corp at any capacity and have never had any business relationship verbal or written. 
In addition, I want to inform Clear Recon Corp that the XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, corresponding to my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX were created without my authorization and through identity theft of my personal and private information. 

The Second Notice of Fault in Dishonor and Opportunity to Cure was served to Clear Recon Corp.on XX/XX/XXXX Certified Mail # XXXX XXXX. 

The Third Notice of Default in Dishonor, Discharge of Obligation to Pay Instrument was served to Clear Recon Corp. on XX/XX/XXXX including my Notarized Affidavit of Non Response Certified Mail # XXXX. 

Fourth, you will find a notarized Affidavit of Non-Response from XXXX XXXX XXXX served to Clear Recon Corp.on on XX/XX/XXXX Certified Mail # XXXX. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 


Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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: Personal information incorrect

Complaint:
Incorrect information reporting on 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 explanation
Consumer complaint received 2021-04-15
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
account # XXXX It's been well over 60 days with no lawful validation of the alleged debt and no lawful response to the PRIVATE CONSUMER DEMAND AFFIDAVIT LETTER ... meaning you tacitly agree to the demands and invoices send via certified mail # XXXX and # XXXX, as well as no thorough response to the consumer complaint # XXXX on all points within the affidavits i sent, thus putting you in default and now the CFPB will aid me in collecting damages. Any further unsigned, un-notarized, false and deceptive letters you sent will incur a fine of minimum {$1000.00} per page for violating multiple Federal laws. 

Also, responding to my previous affidavits point for point via notarized affidavits of truth would be beautiful. By the way, please feel free to take me to court because I am sure the judge also would love to see your proof in accordance to FDCPA and TILA. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine. I noticed all your fraudulent statements that have Document identification numbers had an all caps name on them ... That is not my name, as my name is written in an upper-and-lower-case grammar style. Please answer, Why are you referring to me in all capital letters? See Exhibit C and D. 

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
respond to all attached documents and affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BlueChip Financial
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I have called the Comenity Bank in response to their letter to confirm charges on my account. Once the agent Ms. XXXX successfully verified my identity, I confirmed all transactions to be accurate. I even gave additional information about the payment, that I made to this account on the pior day. After a brief hold the agent decided to ask me some additional questions, such as : my zodiac sign, whether I purchased my XXXX prior to XXXX of XXXX. Another brief hold followed and she came back on line with a statement that now my account is closed. Upon my strenuous objection, she invited me to apply for another card in a month. I requested to speak with her supervisor and attempted to explain to Mr. XXXX ( supposedly the supervisor ) that there must be a mistake in their source of information. He was very arrogant, kept interrupting me and taking at the same time that I was speaking. I requested to speak to his superior, at which time he advised me that he is the ultimate authority. I requested telephone number to the corporate headquarters. He gave me telephone number to XXXX 's! Since then I contacted the bank multiple times demanding to either reopen my account or to provide me with the source and the nature of the information that led to the adverse action by the bank. I pointed out several times that under the FCRA, I am in title to this information, if only to correct it for future. All my requests are met with either dismissive or evasive replies. The bank refuses to connect me with any one person of authority to resolve this issue. I strongly believe that this is deliberate and consistent campaign of discrimination against me due to my national origins. My FICO score as reported on XX/XX/XXXX is over 800, I have no history of late payments on any accounts including the account with Comenity bank. Other than prejudice of their agents there is no reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Security Credit Services, LLC
State: NJ
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:
Company name : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$7300.00} Company is reporting a debt more than 7 years old. They are taking an account from a different lender and starting a new timeline on age of debt charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
PNC included a free safety deposit box with my premium virtual wallet account when I opened my accounts about 15 years ago. This year, they are charging me {$88.00} with a payment due date of XX/XX/22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
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:
Dear Experian, In response t my earlier complaint XXXX, you have made the following baseless claims, without providing any proof : " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, account number # XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature as well as the results of your " investigation '' My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX*Balance : {$17000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00}

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 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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 report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 explanation
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Kinum Inc 2 letters to ask for validation of an account they are reporting on MY credit. They have never sent me any letters in the mail, no dunning letters, no standard debt validation letters, nothing at all. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. This complaint will again request that you follow the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with the Consumer Financial Protection Bureau XX/XX/2021 ( ID : XXXX ). The credit card company responded to the complaint and partially resolved the fraudulent charges I was trying to dispute for a little over 2 years now. The balance on the account was {$9100.00} and they credited me {$6700.00} leaving me with {$2400.00} as the remaining balance. However, {$220.00} of that was for a late fee reversal. This made no sense, because while I was trying to solve this dispute case with them, they never removed the amount from my account so every month, I would get a $ XXXX charge in interest fees. I called on XX/XX/2021 asking them to provide an explanation how they got these numbers and to provide me with a billing statements as to why I still owe the remaining balance on my account. They told me I will receive the paperwork within 3-5 business days in both my email and in the mail. I never received anything and this has become a reoccurring problem as I've asked multiple times for them to send me my previous billing statements. During my dispute, I was told by the credit card company that I will not held liable for the fraudulent amount and any charges and fees related to the dispute would be reversed at the end, therefore, I continued to making payments on my account. I have been paying the fraudulent amount along with the interest fee that piles up every month, yet I didn't get that credited back and am left with a balance that they will not give me information about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Lending Club Corp
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay. 
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GLA collections- from XXXX XXXX XXXX-have disputed and on XXXX it said it was accurate and will stay on my credit report but has been removed from XXXX  because it is, in fact, not valid. It is affecting my credit and want it corrected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, 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:
Equifax after several attempts over past 2 years finally removed a negative account XXXX XXXX, a account I have never owned from my file ... and then downgraded my vantage score from a XXXX to a XXXX, I just got approved for a loan for sons college ... and this drop cost me a additional {$1300.00} in interest, prior auth was based on a XXXX with good credit, now since its dropped to a XXXX fair, interest rate is escalated, my Credit Score should be easily in the area of 800, I have nothing but excellent paid record on all legitimate accounts, and they have not increased my score as they should have, comparatively XXXX XXXX and XXXX, when they removed the XXXX XXXX account, increased my score from XXXX a XXXX to XXXX, and XXXX XXXX to XXXX respectively, yet Equifax downgraded my score by 44 points, even with several credit line increases ... this is outrageous

Company response to consumer: Closed with explanation