BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: Security Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Security Credit Services  ( Original Creditor :   XXXX   XXXX   XXXX    )    XXXX   XXXX   XXXX   XXXX   XXXX  , MS  XXXX  - {$9800.00} This was  Auto Loan  with another company by the name of   XXXX   XXXX   XXXX  . Upon me trying to make my credit situation better I had no idea what this company  (   Se  curity Credit Services  ) was because this is not the original creditor. I disputed this debt and now they are listing it as if its a new debt noted   XXXX   due me disputing it. This is a old debt from   XXXX   ; by law they have to go by the date it originally defaulted with the creditor. I was never told that this account was being sold off to another company. This is really disappointing when I am truly trying my best to better my credit situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Business Factors XXXX XXXX sent a collection notice for me to my sister 's house. The letter was dated XX/XX/21, Principal amount of {$490.00}, and XXXX XXXX of {$120.00} ( XXXX XXXX {$620.00} ). The letter requested for my credit card information along with my drivers license. They also informed that " interest will accrue on this account on a daily basis, pursuant to Nevada Revised XXXX XXXX. '' I am unaware of such charges or unpaid debt.. I checked XXXX, XXXX and XXXX and I am in very good standing with all these credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2023-10-27
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hi, my name is XXXX XXXX and I have a loan with Sallie Mae. Their workers have been calling my family and me more than two times a day. I have called them and requested that they stop the calls but they said the calls will not stop until a payment is made ( which is currently happening ). In the meantime these calls have been annoying and persistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
Hard and soft inquires on my credit report i don't approve or validate. 

fair credit reporting act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Venmo ( a service of PayPal , Inc. ) is currently experiencing a " nationwide '' system error that prevents some users from accessing their funds and logging into the Venmo app or Venmo website. Users have not been notified about this outage which has been occurring since Monday XX/XX/XXXX, according to Venmo support agent XXXX. There is nothing the customer or Venmo support can do, and users are required to wait an indeterminate amount of time to access their funds while Venmo engineers continue to work on the issue. There is no ETA for the fix. 

I contacted support twice, first by email on XX/XX/29 and then by phone on XXXX. The email support agent took no action but said to wait and try again 24 hours later ( which I did to no avail ). I then emailed again but didn't receiving anything back. I then called on XXXX and talked to XXXX who said it's a known national outage, that there's nothing he or I can do, but to wait until development can fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Capital Management Services, LP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter at my mothers house for a XXXX credit card which I never opened or gave anyone consent to do so and I wasnt even aware that there was a XXXX credit card in my name. I dont know credit card number cause I never opened that account I would like for this to be resolved and investigated to know who account this is and why it is under my name. Im sure the purchases made on that account have up addresses if made online n etc or video footage of someone buying in store, that will prove this isnt 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 2021-02-05
Company: BANK OZK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank OZK charged me on 3 separate occasions overdraft fees for charges I reported as fraud or that were reversed due to fraud or mistakes. I reported this to them and they have yet to refund me the {$100.00} for unnecessary and frequent back to back overdraft charges. Their local branch in XXXX GA attempted to harass me when I tried to report an employee and then tried to give me one day to mail in a written form and quickly closed my bank account to cover themselves. now my bank account is gone due to their rashness. They owe me money and have been negligent. I want my {$100.00} and I am not resting until they pay me. 

I have no documents due to my rashly deleted account which booted me from all access to records before I even got home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It seems that this bank BBVA is here in this world to cause troubles to customers and simply will be known in history as world 's most corrupt and customer unfriendly bank. 
Please refer to the prior complaint # XXXX. It was not resolved - external payment is still not resumed for me. 
During this testing times ( COVID-19 pandemic ) -they are causing all sort of troubles to me. 
They want me to go to some ATM or visit their branch to do any transactions. 
Every Savings bank allows up to 6 transactions per statement cycle or month. 
On XXXX XXXX BBVA charged me {$3.00} for doing 5 transactions in a quarter. When i contacted them to fix it - they are telling me some terms and conditions written in fine terms on their website : https : //www.bbvausa.com/disclosure/online-savings.html BBVA is such a shameless and useless bank that i can not express in words

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: CO
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 have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX x over 12 years on unidentified debt when im in a mortg mod XXXX one due to XXXX and hardship. They were told repeatedly anyrhing w XXXX was closed 12 to 15 years ago w an attorney. They must stop. Pressler in XXXX! They went to my employer multiple times it affected my job. I am no longer there. They are contacting an old mortg attorney. They disappear and resurface constant. I will not deal with them any further! I am a XXXX  at a XXXX XXXX  No ability to take back charged off debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Everything has to be a 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. This ground for removal they also violated my rights under 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 consumer reporting agency can not furnish an account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account XXXX : XXXX I am writing to address a recent late payment that was reported on my credit report for my car loan with Chase Auto Finance. I kindly request your assistance in reconsidering this late payment and removing it from my credit history. 

The issue is due to bank error as I had made my payment on XX/XX/2023. On XX/XX/2023, I saw the transaction for Chase in my bank and the amount withdrawn from the account but then it abruptly disappeared. I called Chase to see what was going on but they had not seen the issue on their end yet. I was told to wait until it was officially returned as I was not sure if they had gotten or not. I tried to be proactive by calling ahead of time to try to save my credit and figure out solutions but no one was willing to provide any solutions and they did not understand how credit worked. I had to wait until the XXXX to find out it had been reversed and the funds were released for me to be able to make the payment again. This issue is due to bank error. 

I pride myself on not getting any lates with my car and I tried to resolve it prior to the 30 days but Chase does not have staff that understood or could not provide any answers or assistance. Investigate and reverse this late payment. 

The payment has fully cleared and money has been successfully received by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I have requested a copy of the credit application along with drivers license to verify the account. I have not receive the requested information. I have informed them I have no account with XXXX. The only information that I am receiving are statements. I have asked to verify the bank information the account the payments were made and have not received the information. I have mentioned to the company this is not my account I demand a full investigation with credit application, drivers license and the bank account the payments were made. 
I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent This address had previously been confirmed through prior correspondence with the company. 

According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company.

As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Inquiry : XXXX XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-06-26
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Took out a title loan for {$1500.00} from Titlemax in 2019 for an emergency and have struggled every month to pay them back. The interest is out of this world and after making several months of payments, I noticed the balance had not decreased at all. I called to ask why and they informed me that I had only been refinancing the loan every month and none of what I was paying was going towards the balance. Would have been nice to know that up front. After being 10 days late, they charged me a {$100.00} late fee. Due to financial circumstances, I was late pretty much every month except 2 ... out of 29 months total. So about {$2700.00} in late fees. I have tried working something out with Titlemax and they won't work with you. They would threaten repossession every month after that XXXX day of being late. I have searched high and low on how to get away from these predatory loans and nothing has been of any help. I have paid over {$10000.00} to Titlemax for a loan that was for {$1500.00}. I filed a complaint with Texas office of XXXX XXXX XXXX, waited several weeks and the only response I got from Titlemax was an offer to settle for {$1000.00}. I have no access to any documents, I can't log in to my account online, and I am scared to call them incase they start looking for my car again. They still have the title to my car and I need it but can't pay them the {$1000.00}. I refuse to give them another dime regardless. I found XXXX document from them in an old email and after reading about the late fees, I realize that I was paying illegal fees the entire time. XXXX reads late fee will be {$7.00} or 5 % of the scheduled payment amount ( whichever is greater ) and that does NOT equal {$100.00}. There's no explanation for the extra added fee amount anywhere in the contract and that is illegal. I also noticed fees that say {$0.00} and then later in the contract, it says the fees are included into the total amount ( so I have no idea what the amount of the fees are ) but they can collect interest on the unknown fees. I am also aware of the class action lawsuit they just lost due to their illegal lending practices. It has been 4 years now, I need my title, and again, I have paid over {$10000.00} on a loan that was {$1500.00} and I am not giving Titlemax another dime.

Company response to consumer: Closed with explanation