BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: OH
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 wallet was stolen containing my ID, social security card etc..A few days after loans, credit cards, electric, gas etc started being opened in my name using the stolen information. Sparaticly over the years I continue to be having issues with things being opened in my name. I have tried to correct this directly with the companies and have either just been dismissed all together, told it would be taken care of just to have nothing be done about it. Honestly believe they just told me what they thought I wanted to hear just to get rid of me. So I tried disputing items on my credit report some were taken care of however many still remain and have been refused to be removed. I don't know what else I can do. I know my credit is ruined, I've been homeless because I haven't been able to pass the credit portion of the application apartments or rent to own homes that I can afford turn me down I am permanently XXXX and on social security XXXX and have been for almost 20 years I have XXXX boys XXXX of which I had to send to live with other relatives because we lost our home. My youngest was only a little over a year old when I sent him to temporarily stay with his sister until I got back on my feet. He will be XXXX in XXXX and I have NOT seen him since the night she picked him up. She refuses to allow me any contact with him and will not let me know how he is doing infact I was told she would file harassment charges if I continue to contact her in anyway. She filled for custody of him and I didn't even know about it until it was all said and done. I was homeless so I wasn't receiving any mail. For first 4 months faithfully every day I contacted her to find out how he was if he needed anything until one day I was called everything but a white woman and told I was a useless no good for anything XXXX XXXX XXXX  and he would be better off having never of had me for a so called mother, she was a better mother than I ever could be she was his mother now and actually has him call her mom.I would try to set up time to visit and she would either not be home or set it up and cancel last minute, have us come and not be there when we got there and she lives in XXXX Ohio I live in XXXX Ohio . So basically my whole life has been effected one way or another by this and IS NOT GETTING ANY BETTER! Please someone help me so hopefully I can get my life back! My boys back! Our home back.

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 2022-06-24
Company: United Shore Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My brother and I refinanced on a lake property about five months ago, we set up auto pay and it was excepted by the mortgage company. There was a month where they declined our auto pay for no specific reason and we missed a mortgage payment. My credit rating took a XXXX point hit because of their mistake. There is nothing they will do about it as explained in a phone call to the company. 
In 20 years of paying mortgages, I have never been late once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed on XX/XX/XXXX on a sunday between XXXX XXXX  and XXXX XXXX  of the amount of XXXX dollars I was sopost 2 send a 1 time payment 2 this women but she scammed me in texting me as if it was zelle assuring me that my money didnt go through due to my protection and my money was refunded so I kept trying and yea she just ended up scamming me preety bad I have the documentation for proof and zelle nor my bank want 's 2 refund me so Im here asking for help please and thank you there must b something I can do this women did fraud and pretended 2 be zelle and I'm a fool for falling for it but had no clue zelle didnt do that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting the following inquires that are not authorized by me. I contact the companies and they told me to contact Equifax. Equifax stated I have to file a report with you. 

The following inquires are not authorized : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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 Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 

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 2020-04-16
Company: One Technologies, LP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I checked my bank account and saw a charge of {$29.00} from a company called " National Credit Report.com ''. Upon further examination, I discovered I'd been charged that amount for at least 2 years and immediately found a number to call online. When I described the issue to the agent on the phone, she informed me I'd actually been charged this amount ( {$29.00} ) for more than SEVEN YEARS, which at least amounts to {$2500.00} with no knowledge on my part that I had ever signed up for this " credit monitoring service ''. She said it appeared my dad had likely signed me up for this service years ago under the lure of a free service ( for a limited time ), but I had no knowledge of this, they never tried to update contact information or reach me, the named " client '', which I just find to be unbelievably predatory. She also said the corporate office would be in touch with me within 5-7 business days - I just heard from them today ( XX/XX/20 ) in the form of a VERY hostile phone call from an agent who said the " onus is on you for not realizing this for 7 years '' among other things that did not lead me to believe I'd be getting a fair investigation from their corporation office. In case it's helpful, the complaint # they gave me is : XXXX. 

I also did some digging, and it appears the parent company had to pay {$20.00} XXXX to more than 140,000 consumers for what the FTC called " an online scheme that lured '' people into signing up for services like this https : //www.ftc.gov/news-events/press-releases/2016/09/ftc-return-almost-20-million-consumers-lured-credit-monitoring I'm not confident " National  Credit Report '' will cooperate at this point but would deeply appreciate the help of the CFPB especially now ( coronavirus ) - I simply can not afford to let that money go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022 ; TD bank reverse provisional credit for XXXX car payment transaction for the amount of {$320.00}. The provisional credit was credited to my checking on XXXX XXXX because I the XXXX transaction was paid twice. Therefore, I had it disputed. However, TD bank is reverse provisional credit. My account is in a negative balance because of this and another transaction for XXXX XXXX XXXX for the amount of {$92.00}. I did not set up auto payment or XXXX XXXX XXXX XXXX permission to withdraw funds from my TD bank checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went to the XXXX of XXXX where I was in need a vehicle. While there I was told the only thing I could get into was a used car that was priced at XXXX or so maybe XXXX I gave a XXXX down payment and was put into a loan for XXXX. While at the dealer I had concerns about the vehicles operating conditions the motor had a tick the side mirror power motor was messed up which almost let me to get into a accident and a couple of other things. While knowing I just jumped into a XXXX loan I was told because the car was sold as is that I only had 3 days to fix any issues with the vehicle. When I left the dealer I took the car to a mechanic who told me that the pistons on the motor were done at that the vehicle was not worth getting into the next day which was day 2 of having the vehicle I took it back to the dealer where they did a check and told me everything was fine but that they would fix the side mirror. Not believing them I took the car to another mechanic who told me the motor was done as well after the dealer told me the 1st and 2nd day that the car was fine. For months I struggled with a car that drove with hardly any power and had a loud tick and was burning oil quicker then quick I wrote letters to the dealer made complaints to XXXX made complaints to XXXX with no solutions other then I had to take it to the same XXXX dealer that told me everything was good and Pay for a diagnostics out of pocket for them to do anything for me. In the end I was given a coupon for XXXX towards a down payment of a new car that I couldnt even use because my credit score did not allow me to have a new vehicle. The monthly payments were about XXXX the insurance was XXXX I was stuck with a car that would need a motor and a XXXX loan. I dont think that what was done to me was fair nor was it right I was taken advantage of and lied to and pressured into buying the car and believing that it was the right choice I also have XXXX kids that this car made me go into a financial hardship. The dealer was negligent after being tired of the car driving poorly I stopped making the payments and I volunteered to surrender the car where the loan company took 4 weeks to pick it up off the side of the road and they resold the vehicle for XXXX and left a XXXX remark on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries in my XXXX and Transunion credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/2021 XXXX Bank XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX

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 2023-08-05
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX. I am writing this complaint in my capacity as a federally protected consumer to formally lodge a complaint against Caine & Weiner regarding their collection practices related to account number XXXX. I wish to bring to your attention the abusive, deceptive, and unfair tactics that have been employed in the process of collecting extensions of credit. 

It has come to my attention that there might be a conspiracy between Caine & Weiner and certain consumer reporting agencies to restrain trade and commerce through unjust practices. These actions have raised concerns about potential racketeering activities involving this debt collection agency. 

At no point have I granted authorization for Caine & Weiner to possess my nonpublic personal information. Furthermore, I disavow any purported agreement or contract between myself, the consumer, and the original creditor, whether explicitly stated or implied. I must emphasize that the account in question is a result of a billing error. 

I am deeply troubled by the tactics employed by Caine & Weiner, which appear to be in violation of the False Claims Act. These practices are not only jeopardizing my consumer credit reputation with other financial institutions but are also raising concerns about the legitimacy of the alleged debt that has been presented to coerce payment. It is important to note that any payments made or contemplated in the future are solely due to the undue influence, threat, duress, and coercion that have been applied. 

As stipulated in XXXX XXXX XXXX XXXX ( c ), I am asserting my legal right to refuse payment of this debt. I hereby demand an immediate cease and desist of all illegal activities, communication, and collection endeavors associated with this and any alleged debts until such time as Caine & Weiner can provide sufficient documented evidence that I bear a legitimate legal obligation to remit payment. Should this evidence be unavailable and Caine & Weiner persists in their collection efforts, I am prepared to initiate legal proceedings to seek reparations for the actual damages incurred. 

This letter serves as a formal notice of my intentions. Caine & Weiner 's actions may potentially lead to litigation for violations of various acts, including but not limited to the TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, and RICO Act. 

I anticipate your prompt attention and a timely response to this matter. Please be aware that your cooperation is not only requested but also legally required, as outlined in accordance with UCC 1-202f. I look forward to receiving the appropriate documentary evidence and resolution to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. 

Tracking Numbers 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 Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX CA, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX ) XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

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 2022-07-27
Company: EQUIFAX, INC.
State: CA
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:
These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: MD
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/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My query is with Equifax mishandling of my credit file..I have two updated reports which displays account closed with XXXX balance from creditor XXXX XXXX XXXX  XXXX XX/XX/2022 confirmation # XXXX XX/XX/XXXX, XXXX # XXXX Creditor responded to dispute with attached documents sent from equifax..As of XX/XX/2022 account now has balance and late notation..The Fair Credit Reporting Act requires credit reporting agencies to report 100 % true and accurate information on a consumer file ... The information listed is misleading and false..I have included a copy of credit report displaying the account as closed XXXX balance never late from the creditor..This information needs to corrected on my file.with all.haste... I am trying to.refinance my house..The information currently showing on.my file is not true and needs to be correct or deleted..Thank you

Company response to consumer: Closed with explanation