vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Caine and Weiner bought some debt from another company and then called saying I needed to pay them XXXX amount. I asked for a letter in writing, the representative said I should have received one- I confirmed I did not and requested another letter in writing as I do not give banking information over the phone. Since then, I have received several calls a day from different numbers, from different states, they sometimes leave voicemails. When I answer the call theres an automated pause and then Im connected to someone who says this is Caine and weiner attempting to collect a debt. I have yet to receive a letter of debt owed and will not comply until I receive one. Please help remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX Verve XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX customer service/billing On the morning of XX/XX/year>, I reserved a rental car through XXXX XXXX XXXX XXXX the XXXX XXXX XXXX Before the scheduled pickup, I inquired why my credit card was needed, but the clerk diverted the conversation, stating a {$250.00} hold would be placed after swiping my card. the card was then maxed out. This didn't allow me to decline. I immediately called all parties to dispute charge and cancel the rental. I canceled through XXXX ( Confirmation # XXXX ) and XXXX ( # XXXX ), but later found out the XXXX rep misled me with the pickup confirmation number instead. This is all despite paying Verve a total of XXXX dollars on the XXXX of XXXX. I have continually delt with this type of available balance stress despite countless of early and on time payments made to this company. 

Verve customer service informed me the {$260.00} charge was still pending. I felt coerced into the charge and had already spent {$490.00} on XX/XX/XXXX, leading to a negative balance despite timely payments. When inquiring about the arbitration clause on XX/XX/XXXX, I received no information. 

After pleasing with both XXXX, Verve and XXXX reps to clarify whether I XXXX being charged or money was being returned according to there interface, an awkward recorded message could be heard and I couldnt reach the billing department to explain my cancellation issue and receive a clear answer on whether or not I was being charged. An Audio recording stated " XXXX '' Then asked " is this 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I sent a notarized Direct 609 letter to all three credit bureaus to investigate the negative accounts on my credit report. In accordance with the FCRA, that they investigate and correct these inaccuracies within 30 days of receiving this letter. Additionally, I request that they provide me with a detailed response outlining the results of your investigation, including the steps taken to verify the accuracy of the information and any changes made to my credit report. 

On XX/XX/year>, I then sent a notarized & certified 30 Day Demand to Comply letter within the specified timeframe and they failed to provide. I have also put on notice and include filing complaints with the ( FTC ), XXXX, and the attorney general of Missouri, considering legal action to protect my rights. 

Negative accounts Account Name : XXXX XXXX  Is Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXXAccount Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXX. Account Name : XXXX Account # : XXXX Issue : unauthorized To ensure compliance with federal law, I expect a prompt response and resolution to this matter. Please send all correspondence regarding this request to the address listed above or via email at XXXX Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TomoCredit Inc.
State: FL

Complaint narrative:
A company called TomoCredit advertises on reporting credit lines. I had paid five months for this service. However, Tomocredit has not reported to any of the credit agencies. I have brought this issue to Tomocredit several times, and nothing has been done. Tomocredit has scammed me and is not returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Good afternoon- I attended XXXX XXXX XXXXXXXX dating way back to about 2007. My loans are higher now than when I took them. I have paid on and off over the years. I was talked into forbearance without Navient offering me other repayment options. My understanding is a Class Action was settled and I am trying to get my loans discharged if falls under that Class Action? My original loan amounts were roughly XXXXXXXX XXXX 2007 and I now owe over XXXX. Please help. It has been 17 years and my balance never went down. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to dispute this information with XXXX XXXX  and have not seen any results. 
I am writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Report Act these laws should also be abided by, 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n This account is also reporting two different account under the same account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to dispute this information with XXXX XXXX  and have not seen any results. 
I am writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Report Act these laws should also be abided by, 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n This account is also reporting two different account under the same account number.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX there was XXXX XXXX XXXX accounts open on my credit report. One has a {$0.00} balance, and one has {$190.00} both are incorrect, and I have spoken with them on multiple occasions to have this incorrect information removed from my credit report. I was told by XXXX that both accounts would be removed but it is still reflected on my credit report and both accounts are incorrect.

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 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is demanding payment of a debt that is not mine [ MONTGOMERY WARD {$2700.00} XXXX XXXX XXXX  ]. The debtor is listed as XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last year XXXX attempted to collect on a medical debt for this same individual. I am not the person responsible for this debt and this debt does not appear on any of my three-bureau credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Early in XXXX I opened up a Discover card. They offered me a {$10000.00} line in doing so they told me that my monthly payment would be {$25.00} a month. At no time why I was using the card in the first 90 days did they express to me that they went off a percentage of per balance monthly within a few months with timely payments they did a query on the account demanding that I fill out an IRS form and that they were closing the account before I could submit the form they close the account which led to two other credit cards, closing and other cards, reducing my limits, forcing me to pay out sooner than my other contracts due to this card while also reporting that I close the account which I was trying to do before they could, but they are actually the parties that closed it without providing any information. Since then, Ive received minimum two calls a day every single day of the week and Emails demanding the total balance, and that theyre reporting actively on my credit negatively. I am really baffled on is how they marketed the card And the high usage only to allow false pretense on Payments being within reason. I currently have three other credit cards all in good standing with reputable banks, including XXXX XXXX, XXXX, with where I was reduced my credit limit and a third-party credit card however, ive been paying all my credit cards and good standing since the date of their opening. This is in fact a predatory card and their behavior is predatory because its the point where I expressed my concerns with them that they kept changing the payment around without giving me any ample notice. Then the direct affect was they ended up closing the account and are threatening Collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( s ) Name : XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX has violated my rights. 

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 ; also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reported a dispute to the credit bureau regarding information errors reported by the company XXXX XXXX. I took a loan out XXXX XXXX I was on time with all my payments until XXXX XXXX when I ended up in a financial situation. I had a few more months of payments left with XXXX XXXX. I ended up consolidating my bills and lending club agreed to a settlement amount on XXXX XXXX, XXXX in the amount of {$1400.00}. The agreed settlement amount was paid off XXXX XXXX and account should have been closed after last settlement payment. XXXX XXXX is reporting to the credit bureaus that account is closed XX/XX/XXXX with a balance of {$1900.00}. They agreed to a settlement and got paid the agreed amount but continue to attack my credit with the credit bureaus and is reporting inaccurate information. All other accounts I had settlements with during that period reported accounts as paid, date closed which was last day of settlement payment and in remarks section reported paid profit loss, settled for less than full balance. XXXX XXXX is reporting the account as derogatory XX/XX/XXXX which is when settlement should have been completed. Its causing great impact on my credit and I need them to report the accurate information as they had agreed to the settlement. My account was greatly impacted by TransUnion credit bureau.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Halsted Financial Services subjected me to Harrasment, false and misleading language/tactics, deceptive practices, and lies in unlawful attempts to collect information from me under the pretense of a business opportunity saying things like this is a business opportunity for XXXX XXXX but we need to verify that we are speaking with the right person so we need to collect information, we looking for a XXXX XXXX but can not disclose information until we verify your identity, we need you to verify who you are before we go further etc Halsted Financial Services employees tried to collect personal data from me including my social security number, mailing address name etc without informing me of the nature of the call or telling me if they are a debt collection agency even when i envoke my rights as a consumer and made them aware of specific UCC, XXXX, TILA, CFR, FCRA, FDCPA, CFPB, sections, guidlines, laws, and Regulation. They denied those laws saying they dont have to follow them, that I, the consumer is misinformed, thats not how this work, That i dont know the law etc. Ultimately their legal department agreed that i was correct after i entered contractual terms after expressing my lack of consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TranUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a lease account opened personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a lease account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) and ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of identity theft and fraud.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Eastern Account system XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Eastern Account system. Without this, I have no legal obligation to recognize this debt. 

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership. 

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt. 

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation