BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from CBE Group XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXXXXXX I told CBE to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did CBE group purchase this debt from XXXX or from XXXX  XXXX XXXX XXXX XXXX 
2- Neither XXXX nor XXXX do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- XXXXXXXX, never responded in writing how I requested- and possibly failed to inform XXXXXXXXXXXX or worse sold the debt to CBE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to Professional Debt Mediation about 2 weeks ago asking them to verify a debt that I allegedly owe that they are reporting on my credit report. They could not provide me with that information and are still reporting the account on my credit report which is effecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Westlake financial agreed if I surrender the car over they wile the remainder of the loan out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: NM
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:
Equifax,  XXXX  and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I received notification from three credit bureaus that I owe a debt to Berlin Wheeler. I have never had any account nor contract with Berlin Wheeler. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. 

I do not owe this alleged debt to Berlin Wheeler or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. Berlin Wheeler has committed several violations of law and has damaged my credit, and my ability to obtain credit in the process. 

I do not owe this debt and this collection account should be removed from all 3 credit reports immediately.

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 2017-08-02
Company: U.S. BANCORP
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Back in XX/XX/XXXX, I responded to a solicitation from Fidelity to receive a Fidelity Rewards VISA credit card. I was unable to fill out form online as form would not let me use my full legal name, XXXX. XXXX. I finally completed the application via phone, no problem. I received the card in the XX/XX/XXXX-XX/XX/XXXX period. Using the card was no problem. My first two statements came addressed to me : XXXX. XXXX. The third came addressed to XXXX XXXX XXXX. Now, this was my GIVEN NAME at birth but in XX/XX/XXXX I had it legally changed to XXXX. XXXX, the name I had been using for many years ( Superior Ct. Washington , XX/XX/XXXX, # XXXX ). When I received the statement with " XXXX XXXX XXXX '' a called the customer service number listed on the statement. After explaining my story, the gentleman said that he would try to connect me to their fraud division. The fraud division REFUSED to speak to me! I contacted the Washing State Attorney General and filed a complaint with them. After some correspondence with them I received a letter from ELAN Cardmember Service, Office of the President, XXXX. XXXX XXXX, XXXX, ND, XXXX, telling me that they did a background check on me ( assume SSN ) and that I was XXXX XXXX XXXX. I responded through the AG that the info ELAN had obtained was NOT accurate and I wanted to know from whence the info came so I could correct the source. The answer : " proprietary in nature '' and would not share with me the agency from whom the bad information came. Translated, TOUGH COOKIES! 'We know who you are ' and that 's it! Ironically, I had opened an account in conjunction with this credit card with Fidelity, the institution with which I thought I was dealing, in my full LEGAL name, XXXX. XXXX. I have several other accounts with them, also. Here 's the problem : ELAN ( whoever they are ) arbitrarily changed my legal name to another name without contacting me. They depended on inaccurate, untimely information from an unknown ( to me ) source. Their intransigence, after being contacted by the WA AG 's office shows that they need to  revise their procedures in order tthat this not happen again, to anyone. They, I believe, do NOT have the right to change anyone 's name without direct contact with that person to verify the information. Documents that were submitted through the AG 's office : current U.S. Passport, redacted, Washington state Drivers License, redacted. Copy of certified copy of Court Order of Name Change

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 2022-08-27
Company: CITIBANK, N.A.
State: WA
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/2022 I was checking my Citi XXXX cash credit card and noticed I had a alert. I checked the alert and it said my account has been closed. I called the company asking why my account was closed and they said they dont have that information and that I will have to write XXXXsupportunit to find out why. I emailed them and they said they will respond to me within 30 days. On XX/XX/2022 they emailed me back stating they closed the account because I was convicted of a XXXX XXXX 13 years ago. When I filled out the application no where asked about if I have any prior convictions. If they did I would of never applied. Now because they decided to do this my credit score is going to suffer. Also Im in the process of buying a house so that doesnt look good. Ive had this credit card for less than 2 months then they decided to do this to me.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
someone has access to my personal info. I've been dealing with this issue for the past few years. I've tried disputing this with the credit bureaus but these fraudulent items still remain. I '' m also seeing someone still trying to obtain credit in my name because, im seeing a lot of inquiries, different addresses, and wrong employment info reporting as well.

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 2020-02-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have attached the complaint letter that I sent to the Lender, JP Morgan Chase along with the pertinent documents that follow the time line during their process. 

I believe they did a bait and switch on me, treated me disparately, and their customer service is deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Diversified Consultants, 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 received debt collection calls around XXXX XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XXXX XXXX when my wallet was stolen, and that I did not authorize the accounts at the service location. Contrary to DC 's XXXX XXXX, XXXX response to Complaint XXXX. XXXX, the account was NOT delinquent before my identity was stolen. The fact that DC 's records does not reflect their debt collection efforts correctly ( i.e., does not show that I identified this account as fraudulent upon first receiving a debt collection phone call ) highlights their negligence. To make it perfectly clear because we are obviously dealing with a company that does not keep adequate records : MY IDENTITY WAS STOLEN IN XXXX XXXX. The XXXX XXXX XXXX account became delinquent in XXXX XXXX. I was informed of the delinquent, fraudulent debt in XXXX XXXX and informed DC AND XXXX XXXX XXXX that the debt was fraudulent and reported the account to the XXXX Police Department to be included in my identity theft report. Thus, as of XXXX XXXX, both DC and XXXX XXXX XXXX knew the account was fraudulent yet continued to report the account to the credit bureaus on XXXX XXXX, XXXX. 

The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''. Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - XXXX XXXX XXXX with Incident No. XXXX. After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls. I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit. Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX  and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum. Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: ID Analytics, Inc.
State: GA
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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX Portfolio Recovery Associates, LLC was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WESBANCO BANK, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a business checking account at a Wesbanco branch on XX/XX/2020. When I was opening the account, I was presented with a bonus offer of up to {$250.00}. Of that {$150.00} was to be paid if I maintained an average balance of at least {$2500.00} for the first month. I did that and WAS PAID this {$150.00}. However, for the other {$100.00} of the offer, I had to do this as per the exact terms ( emphasis mine ) : Enroll in mobile banking and EITHER opening and activating a debit card AND completing 5 debit card purchases within 30 days of opening OR open a new business credit card within 30 days of opening I went with the first choice. I enrolled in mobile banking on my mobile ( using the app ) on or before XX/XX/2020. To make sure I actually used the mobile banking service also ( even though this was not required, only enrolling was ), I deposited two checks using mobile deposit to this account on XX/XX/2020 ( this actually conclusively proves that I did sign up for mobile banking ). I also made 5 debit card purchases online on XXXX, all on the same XXXX. So clearly I fulfilled the terms for the {$100.00} part of the bonus inside 30 days of opening the account. The bonus was to be paid within 7 business days after 90 days of account opening, and that timeframe just passed. I was duly paid the {$150.00} part of the bonus but not the {$100.00} part, even though I fulfilled the terms for both. Unfortunately, I couldn't reach out to the bank for a resolution due to the stay-at-home orders and restrictions on in-person banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Phone calls started roughly about two months ago from this company whom I have no idea is not have ever had business with. They call starting at XXXX and continue to call. They spoof their phone number, as I have blocked each number they still get through with a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
There are 10 accounts on my credit report that are not mine these are not my accounts they don't belong to me I have not applied or used these accounts. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2022-08-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
The Credit Reporting agency Experian has failed to do a completely thorough investigation of my file. I am a victim of Identity theft and I found negative information reporting as a result of Identity theft. I notified not only the following creditors but also the Credit Bureau about these accounts that were a result of identity theft, I also sent in a copy of all relevant information including my FTC report, ID, Social Security Card, and proof of address in which Experian had 4 business days to remove the fraudulent accounts. Experian deleted and removed the accounts then within 60 days later re-added accounts back to my profile stating the creditors sent back information stating the debt was valid. I have repeatedly asked Experian for a copy of the documentation that was provided stating that those accounts were valid and they have yet to respond and send that information to me. Not only was my rights violated by Experian deleting the accounts and adding them back after a response that took well over 30 and even well over 45 days. They have caused me so much grief also. Please read below for the following accounts 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. 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 explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022

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