BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
Dear CFPB Representative, on XX/XX/XXXX or XX/XX/XXXX I requested an increase on my store macy 's store credit line. I was told to wait over the phone and they came back and said that I was declined. What they did not told me was that they access my XXXX   without my consent or let me know that it my be possible to do that. I will never accept that without knowing whats happening. I would like that any hard inquires to be removed from my XXXX that was made between XX/XX/2019 to XX/XX/2019 that was made by : MACYS/DSNB XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX As a side note, today XX/XX/2019 I requested an increase on my Bloomingdale 's store card ( DSNB   BLOOM, Contact Information XXXX XXXX  XXXX XXXX, OH XXXX ) and representative told me that It'll be a hard inquiry. In my humble opinion, how is it possible that customers to be told that there it'll be hard inquiry or not telling you at all? 

I would like any hard inquires to be removed from my XXXX  credit report made between XX/XX/2019 to XX/XX/2019 made without having knowledge by MACYS/DSNB   XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Thank you

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 2020-05-27
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Stoneleigh recovery associates put a hard inquiry that resulted in negative inquiry on my credit report and when I called they were rude as XXXX and wouldn't tell me what the supposed debt was but that the debt was purchased and that I owe them now for something they won't tell me what it is, and more importantly if I give them more information, it will be used against me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: The Leviton Law Firm, Ltd.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX from Levinton Law Firm about a debt for workers compensation on a company that closed down in 2021. Everyone has been advised of this including the law firm, the creditor prior, and the company we closed the account with. The emails are threatening in nature and they have failed to provide, repeatedly, the other information I am entitled to... I have asked for the information below with no luck. In addition the emails have come in with no email signature and I have no idea if this is even a real or legal company. I have also asked on several occasions to submit to me a letter in a professional matter with all the company information on it and XXXX has refused. I have all the emails as confirmation. Furthermore, the last email I received from XXXX at Lebiton Law Frim was to state that " That is only needed if we were to litigate in local jurisdiction '' and is still refusing to submit the documents I have requested.

-I need a letter showing that this account was legally assigned to your firm. Not a letter from you to collect but a document showing this account was legally assigned to you for collection, from the original creditor. 
-I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
-The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed -If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
-Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
We Started this loan with XXXX XXXX, which was bought out by Springleaf, Then bought by One Main Finance. We were set up on automatic bank draft on a monthly basis withh all three companies. Due to the exorbitant interest rate, we asked that One Main start drafting {$600.00} per month, rather than the minimum payment. This was done without a problem until I received a letter stating I was past due and owed late charges. In XXXX, we received a letter stating that they would continue drafting the {$600.00} per month, but now they state we are late, and owe fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is a scam.

You send a complaint to LVNV Funding and then get information about a sister company called Resugent Capital Management. ( Send Below ) Your Account Has A New Owner : LVNV Funding You still owe your debt but the new owner is LVNV Funding. LVNV Funding outsources the management of its portfolio of accounts to a company called Resurgent Capital Services. Resurgent Capital Services is a licensed third-party debt collector specializing in the management of these types of consumer assets. Resurgent may contact you directly or may ask one of their collection agency partners to help them reach out to you. 

I've send certified letter to both of these companies over a series of months. I asked for proof this debt was mine and they ONLY sent a statement to my mailbox. 

I told them, I NEVER received this card. Anyone could have used the mailbox and forwarded it to another address. 

They still have not removed this false account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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:
I have submitted several complaints before for the Bankruptcy on my account that is not mine. Today, I am submitting a complaint for the FRAUDULENT items on my credit report. 

There are multiple FRAUDULENT items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a capital one venture card that has an annual fee. I called XX/XX/XXXX the first time to ask to downgrade so I dont get charged the annual fee. The cap one rep declined and said I have to wait until the annual fee is charged and then I could get downgraded. Unfortunately I waited so I called back on XX/XX/XXXX after the annual fee was charged. I talked to a rep and then their supervisor after getting declined to get the annual fee waived and the card downgraded. Capital one uses misleading tactics to get people to sign up for their annual fee credit card, charge people despite wanting to cancel, close, or downgrade the credit card to a no annual fee card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
ON XX/XX/XXXX MY SYNCHROBNY BANK MASTER CARD WOULD NOT WORK AT A SAMS GAS PUMP ... .THE CARD WAS LOCKED IN THE READER & A MESSAGE WAS DISPLAYED CHIP LOCKED ... .THUS I COULD NOT MAKE PURCHASE '' I WENT HOMEIMMEDIATELY STRESSING CARD HAD BEEN HACKED & CALLED SYNCHRONY BANK ( XXXX ) & WAS TOLD THEY CHANGED FROM CHIPTECHNOLOGY TO SWIPE & NEW CARD WITH SAME ACCOUNT NUMBER WAS MAILED & WOULD ARRIVE IN 7-10 BUSINESS DAYS. 

AS A DIRECT RESULT OF SYNCHRONY BANK TAKING THIS ACTION & NOT NOTIFYING ME OF CHANGE MY AUTO PAY COMPANY PAYMENTS STARTED BEING DECLINED GIVEN NEW EXPIRATION DATE ON NEW CARD WHICH THEY WOULD NOT GIVE ME OVER PHONE. 
FIRST, XXXX XXXX, AUTO & HOMEOWNER BILLS WERE REJECTED ... THAN XXXX ... 
THIS SITUATION REQUIRED ME TO CALL SYNCHRONY THREE TIMES, UNTIL SYNCHRONY BANK AGENT AGREED BY XX/XX/21 THE CARD MAILED ON XX/XX/21 WAS LOST. 
THEY THAN ISSUED A NEW CARD & PER MY REQUEST SENT IT XXXX XXXX TO ARRIVE THE MORNIG OF XX/XX/21. 

AFTER WAITING AT HOME THE ENTIRE DAY, THE CARD ARRIVED AT XXXX XXXX. 
I THEN HAD TO NOTIFY & SIGN INTO 8 DIFFERENT COMPANIES TO SUPPLY NEW CREDIT CARD NUMBER. 

NOW XXXX SENT ME A NOTIFICATION THAT MY CREDIT SCORE DROPPED 5 POINTS DUE TO LOST CREDIT CARD. 

I FEEL THIS COMPANY, SYNCHRONY BANK S PRACTICES PLACING A CREDIT CARD IN THE MAIL VERSUS XXXX OR XXXX XXXX IS NEGLIGENT. 
THEY CAUSED ME TO EXPEND AT LEAST 8 HOURS OF MY TIME FOLLOWING UP WITH THEM, CORRECTING THE CREDIT CARD NUMBER FOR MY USERS & OPENED ME UP TO FRAUD BY LOOSING THE CARD IN THE MAIL. 
NOT GIVING ME NOTICE OF THIS CHANGE WAS XXXX XXXX ON THEIR PART. 

IN SUMMARY, I SHOULD HAVE BEEN TOLD AHEAD OF TIME A NEW CARD WAS COMING & THEY SHOULD MAIL CREDIT CARDS BY XXXX XXXX  OR XXXX SO THEY CAN BE TRACKED. 
WE LIVE IN AN AGE WHERE FARUD IS VERY COMMON PLACE & THERE IS NO EXXUSE FOR SYNCHRONY BANK TO MAIL NEW CREDIT CARDS WITHOUT NOTICE VERSUS ADVISING THE USER & SENDING WITH TRACKING 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 2023-09-11
Company: Data Mortgage Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The company name is Essex Mortgage. I been trying to get in touch with them by phone, but the problem is they don't answer the phone. they put you on hold. Playing the music tells you an agent will be with you shortly about 3 times, then the machine comes on and say leave a name and telephone number and someone would return your call shortly. But no one ever calls back. And I am trying to reach out to them so I can get some assistance with my mortgage before it goes into foreclosure. I am 2 months behind on my mortgage due to the facts I fall on hard times. I am not trying to lose my home and become homeless and I can't get no help if they don't answer the phone. I signed up for XXXX but they denied me and didn't tell me why. I've called and called and haven't got ta answer yet. so what am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$67.00}

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 2019-07-25
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Equifax and XXXX Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-07-25
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Wealthfront Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Problem : Wealthfront Cash Account locked after reporting fraud transaction due to verification issue, followed up immediately with verification documents but no updates from the bank whatsoever, contacted multiple times and resent documents. More than 5 business days now without access to checking account funds. Unacceptable service. 

Background : - Never ordered a physical debit card - Have a digital debit card in my XXXX wallet thats locked - On XX/XX/XXXX, noticed a unknown transaction of {$100.00} from XXXX made in XXXX XXXX, XXXX - I have never been there in my entire life - Immediately reported the transaction for fraud, customer service initially accused me of having a physical debit card, but after minutes of explaining I dont have one, he proceeded to put in an investigation for me- Forced to me to replace my card ( rightfully so ) and will be giving me a physical one, but required me to go through some verification questions- Ended up receiving an email saying that my account will be deactivated/locked until documents are provided for verification - Followed up XXXX minutes later with my drivers license on XX/XX/XXXX - Called Wealthfront customer service multiple times since then on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, only to be reassured that this will be looked into and asked to wait two more business days each time - Wealthfront also does not provide contact to XXXX XXXX who services their banking, which is completely unacceptable because verification is through them - I found out a contact to XXXX XXXX corporate resolutions and was able to reach the department on XX/XX/XXXX - Informed me to wait another XXXX hours Im honestly so frustrated at this entire experience. I dont think its acceptable to first accuse me of having a physical debit card when I didnt have one in the first place, then proceed to lock my account and ask me to verification, and not provide an update for many business days after Ive already provided documentation via email multiple times. Furthermore, Wealthfront makes it impossible to reach their verification department and refuse to provide any contact information for resolution. For anyone who uses their bank to deposit their money and make payments, being in this situation sucks especially when Im not the one at fault. Instead, I get penalized for reporting a fraud transaction and left with no access to my account that I use to make payments to my bills. Additionally, false promises of having this case looked into every time I call customer support has prompted me to proceed with filing this complaint. 

I hope you can help me with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company response to consumer: Closed with non-monetary relief