BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After communication and attempts Saks Credit Card, Capital One, continues to be deceitful in fees and interest on account along with settlement offer to delete account.

Every month for over a year the account has been accessed incorrect late fees! Due to this frustration there has been conversation of settlement but the company reversed course at the last minute only to continue accessing erroneous late charges and interest, which in turn causes balance to continue to increase even after payments of more than minimum are made on account. Saks ( Capital One ) uses unethical and deceptive practices on account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Medical Data Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know what is this Account is about? Can you send more Accurate Information about this Account? Where did this Account Pop up from all of a Sudden? While Reporting this information to CFPB it won't allow me to put my last 4 digits my SS # That's seems to be very Fishy to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Account information incorrect

Complaint:
XXXX XXXX has sent electronic updates to Trans Union to fix a credit reporting error of a 30 day deliquency on XX/XX/2019. Trans Union refuses to fix the error. XXXX XXXX has even provided me a letter showing I have never incurred a 30 day late on this 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 2020-01-16
Company: Stenger & Stenger, P.C
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today, XX/XX/XXXX, I received a letter from Stenger & Stenger. I have never had any prior communication with this company. 

This letter was sent in an envelope with a return address of the XXXX XXXX Government Center, from supposedly the small claims court. 

However, inside the envelope is an extremely vague notice of showing up to small claims court on a time and date next month. There's no court case, room #, contact information for XXXX XXXX, Judge name, or any other info.

Furthermore, after the sincere panic and confusion, I checked Indiana 's government resource site which showed that no claims or lawsuits had actually been filed against me. I have received no notice from the state or local authorities about needing to appear in court. 

The first hint I had that this was illegitimate were the misspellings on the document. Instead of Case it was spelled cause.

The large giveaway was only when you get to the bottom of the page and it states " This is a communication from a debt collector ''.

It may be a communication from a debt collector but they sure went to a lot of trouble to disguise it as an official document from the state. This is by default against the law as they are actively working to impersonate local government and court systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid off months ago XX/XX/2019 and the company still refuses to update the credit report, their employees made false report stating that I said I was represented by a lawyer, but all I said was I was refinancing and the payment was coming from my lawyers office because it was paid from a refinance and attorneys pay the debts off XXXX so now they will not talk to me only my lawyer and will not update the credit report, I attached my bank statement showing my last payment of {$.00} .. to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Account status incorrect

Complaint:
Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi I banked with Fifth third bank since I was XXXX yrs old and they racked up fees on me Wich was supposed to be waved and credited back because the funds was unavailable and orders was canceled I shouldnt have any fees because on both ends orders was cancled they racked up over XXXX in fees on my account and then terminated my account and now sending me threatening emails and letters to pay half or other amounts Wich I dont feel is right and then I tried to go to another bank to make account and they wouldnt let me for some reason so I think they did something

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE ( Bank ) XX/XX/2022 This is an unauthorized inquiry. I did not apply for for an account with you guys. This must be a result of the Capital one data breach and my information was stolen. 
Please provide your reasonable policies and procedures to report this inquiry- ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 

( b ) Guidelines. Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate. 

( c ) Reviewing and updating policies and procedures. Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness As well as the accuracy and integrity of this reflection - Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have closed this account from bank now keep getting the same latter. Own them Money. Kindly scam

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 2022-08-28
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am a natural person a living being, and I have rights under 15 USC 1693 Among its requirements. The rule mandates remittance transfer provides generally must disclose the exact rate, the amount of specifics fees, amount expected to be delivered to the recipient. Westlake financials is governed by these laws. I demand that they make me whole with providing me with a new vehicle free of charge.

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 2020-09-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$310.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2019, but I have no visit to XXXX XXXX XXXX on that date. Attempts to contact the business, the collection agency, and the credit bureau to respond to my complaint have not been successful. 

1. XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX  XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX  XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX  XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I put in a complaint against XXXX XXXX XXXX, PBCM XXXX in XXXX and I asked them in the complaint " Also before they send anything to my credit I need someone to work with me on making small payments until I am able to make larger payments because like I keep telling them I unable to make big payments because I do not make enough. '' PCMB response was " XXXX outstanding student loans were purchased by XXXX : ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4400.00} ; and ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4500.00}. 

The number that called you was from PBCM 's XXXX office. The XXXX number is from PBCM 's XXXX office, which your accounts were transferred to. 

We are willing to accept monthly payments of {$15.00} on each account provided the first payment on each account is received no later than XXXX/XXXX/2016. We will continue to accept monthly payments provided that they are made in a timely manner each and every month. In addition, the payment arrangement is temporary and will be reviewed periodically for an upgrade in monthly payment amount. '' I checked my credit on Monday XXXX/XXXX/16 and the XXXX accounts are listed as Open and in collections. I called PCMB on Monday and spoke to XXXX XXXX ( General Manager in the XXXX office ) My payments were received XXXX/XXXX/16. I pretty much explained to him everything that 's stated here he said he would pull my file and him or his QA would get back to me by the end of the day. No one called me back on XXXX/XXXX/16 so I called back XXXX/XXXX/16 and the receptionist XXXX told me XXXX XXXX was in a meeting for 15 minutes and would get back with me after the meeting. He called me back and I had to call him back due to my phone having issues. I spoke to XXXX XXXX and was informed that XXXX XXXX. ( VP of Operations in California ) would call me by the end of the day and he has forwarded all of my information to him by email. No one has called me back again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Berman & Rabin, P.A.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The person ( XXXX XXXX ) called and identified herself as an attorney. She demanded personal information from me, such as birth-date, phone number, address, etc. but would not tell me why she was calling. I asked man times for her to tell me but she said that because this was a lawsuit she had to verify personal information. She was very rude and harassing. She intimidated me into giving her personal information and them identified herself as a debt collector. At this time she told me she was recording the call. She told me that I need to pay in full at this time. I told her I was n't sure about this debt and did n't know if it was mine. She demanded it to be paid in full. 
I believe that she can not represent herself as an attorney and that she must let me know the call is being reordered. She was threatening about what would happen if the debt was not paid in full. The company she is with is called Berman-Rabin and the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Frontline Asset Strategies, LLC
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:
opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its XXXX accounts open with the t mobile company, they are asking for XXXX $ that i did not aprove or did myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I am on a payment plan of {$50.00} a month since 2012 to pay off a total balance of {$7000.00}. I never missed a payment! I called the call center to pay the rest of the amount I owe them. which is {$850.00} the payment plan was filed with the courts in 2012 When I told them I wanted to pay off the rest of my account, they refused the payment and said it was in an internal review with their lawyers and refused to take any payments. 
and told me to send them a note that I did not deny the debt. after paying on this debt for 10 years I'm gon na deny the debt. no, I wanted to pay the rest of the planned balance off I called them several times and got the same story, it was in an internal review. and they could not take any payments on the account. The default amount is {$9800.00} in other words. so basically if they can't take my payments for the account I go into default. 
I am a XXXX citizen on social security I did the right thing by paying my debts this is causing me lots of stress .and health problems please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX I received the attached email from Experian. As it contains no specific information & my account website held no indication as to which account this email referred to, I found this email to be of no value other than to cause concern about my accounts or that it might be a fraudulent email. Not being able to find a functioning number for Experian or any indication as to what to look for in my account website, I deferred trying to investigate further until I had time to dedicate to this matter. XXXX I tried contacting an Experian representative for over an hour, but the number on XXXX and the Experian website ( XXXX ), the two numbers for corporate offices in the Contact Us section of the Experian website ( XXXX & XXXX ), nor the number on my Experian account website ( XXXX ) led to human contact as they were all automated numbers with no option for leaving messages. I finally found a number ( XXXX ; could not find where I found that number when preparing this complaint ) where I reached an Experian representative named XXXX. She kept repeating that this type email is a " benefit '' of my Experian account & that such emails have been sent to me many times, which is not the case as I check my email and junk mail regularly & have never received such an email before. XXXX finally determined which account this email referred to & it became obvious that account changes both credit balance & usage continually such that IF I continue to receive this type email it will be of no value & will only cause further concern. I asked to speak with XXXX 's supervisor & unfortunately, I did not note her name. The supervisor said these alerts can not be stopped without eliminating my Experian account & that other than this option I had no recourse. I told her I would have to contact the US government agency which oversees the credit bureaus. She said to do so. I reached a CFPB rep who said I could file a complaint & directed me to this procedure.

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 2022-02-23
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX The company promise to paid to delete which it shows and they still have not done so. I've called them on XX/XX/XXXX asking about it and she said they can't find where it was mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
According to the New York State General Business Law Section 380-j " ( f ) ( 1 ) Except as authorized under paragraph XXXX of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. 
( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than XXXX years ; ( ii ) judgements which, from date of entry, antedate the report by more than XXXX years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a XXXX year period from such entry date, shall be removed from the report XXXX years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than XXXX years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred XXXX of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than XXXX days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than XXXX years ; " I called Experian and mentioned that I have a charge off that was sent to collection and since I paid the collection and it 's past the XXXX year of NY SOL to exclude it from my credit report. They was able to remove my collection account but refuses to remove the charge off that was tied to the collection account. This is a violation of the NYS Statue. I explain that this is blatant inconsistency in their application of the NYS statue, which groups both collections and charge-offs under the same exclusion provision. This is improper of handling by the CRA.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: SC
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 XXXX I submitted a letter to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.

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