BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to RESURGENT/LVNV FUNDING in regards to inaccuracies on my credit report XXXX this is the account number provided. I have received no response to my request for original information from the creditor themselves, also all account information including payment information and wet signature used to establish this account. I have explained to the company I have been a victim of identity theft and they have not taken the proper action. I would like this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Our Corporate Wells Fargo Account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Wells Fargo is unrightfully holding in reserve for over 8 months now our payout of {$2300.00}. I contacted them today and they said that they can hold our funds that are due for one year which would be XX/XX/XXXX of XXXX. They unrightfully terminated our vendor account without notification on XX/XX/XXXX and are holding funds from Account number XXXX Please help

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 2022-04-07
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I want to start off in saying I have had nothing but issues with this company since my loan was bought out by them. On XX/XX/22 I called Mr Cooper and advised them that the escrow statement I received from them was incorrect. There was no way I was over {$1100.00} in the negative when I had been making my payments on time every other week. The representative looked at the account and stated she had seen where 2 payments were taken out of my escrow account and paid to XXXX XXXX. I asked why that was because I only had 1 policy with them for {$740.00}. He stated she would have to transfer me to a different department but it " should be easily fixed ''. After a very lengthy hold I got another representative on the phone that looked again at my account and stated she saw a fax attached to my account requesting {$1300.00}. I asked if my name or account # was on the fax and she said no, the account # is different. I said then it needs to be fixed on your end. She asked if I would call XXXX and 3rd party her in so she could see where the money went. I advised her that I was not going to do that because I already talked to them and they told me they only received the {$740.00} on my account. They had no idea where the {$1300.00} amount was. She said her system would not allow her to call them. I advised her it was their responsibility to fix the problem. She said there was nothing she could do. At that point I requested a manager. I was placed on hold for approx 25 mins because " no supervisor was available. '' When the team lead from the Insurance Processing Dept ( XXXX ) got on the phone, I explained the entire situation to her and she placed me on hold to check the account yet again. She got back on the phone and advised that she saw the issue but it would need to be reviewed before anything was fixed and that would take 5 business days. I asked why it would take that long to fix their mistake. She stated that was just the process. I told her they really need to rethink their customer service as it is very poor. I took her name and # and told her I would be calling if it wasnt fixed by Monday XX/XX/XXXX. She told me she would call me once it was fixed. I called again on Friday and was told by another representative that the adjustment would take 7-14 days. It is now the 5th business day and my loan is not fixed. I just had my bi-weekly payment get pulled that was supposed to be for {$330.00} and was pulled for {$350.00} and it is higher than my normal payment because of this screw up. I have been more than patient about this. I have gotten a different answer every time I call and at this point feel that I am just being told whatever to get me off the phone. I called again on Monday XX/XX/XXXX and got told it would be 3 more business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
My apple account was closed on the phone they said your account is closed which I never opened. My phone was stolen on XXXX XXXX  that day the robber opens an apple card account using my identity. My apple card account was closed but now they send me an email saying. 
to pay the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: State Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to XXXX XXXX XXXX ( used XXXX XXXX XXXX, account no. XXXX ) and received treatment on XX/XX/2023. I was informed that I did not need to pay anything by the receptionist. Today ( XX/XX/2023 ), I received a debt collection of {$35.00} from State Collection Service , Inc. ( XXXX, WI ). Prior to this, I have not received any communication or bill from XXXX XXXX XXXX regarding this matter. I will pay the amount as soon as possible but would like to complain against XXXX XXXX XXXX for referring to debt collection and was deficient in providing proper information and communication regarding this {$35.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 Citi sent a letter stating they needed total annual income in between that time on XX/XX/2023 I received another letter they are unable to approve application I have reason to to believe that decision was determined on a biased conclusion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX It is a civil rights violation for a person who offers credit cards to the public in this state : ( A ) Denial. to refuse to issue a credit card, upon proper application. Equal Rights under the law. I the consumer and XXXX XXXX was denied credit by Citi when I applied for a card to use for personal and household purposes. My Social Security number was used to process that application which is an open end credit card pursuant to 15 U.S. Code 1602 ( i ) served as a financial asset. It is now considered an unauthorized use since I have received NO BENEFIT. I made that application in good faith, but credit was not issued. This is all evidence of fraudulent activity.

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 2019-01-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit profiles and noticed multiple credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable as the address didn't exist. I subsequently contacted Experian regarding the inquiry on my credit profile. Experian signed the certified mail receipt from my letter on XX/XX/XXXX. It is now more than 30 days from the date of my dispute and Experian has neither responded to my dispute or removed the 2 unverifiable inquiries from 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 explanation
Consumer complaint received 2023-09-17
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened Regions personal checking XXXX account as part of the promotion. Setup initial deposit also. But I am not able to access the account online. I had an old profile but even using that I can not access it. 
For this I called Regions bank customer service on XXXX XX/XX/2023. I was told by the lady that may be try after 24 hours. Well it's not working even after 24 hours also. 

As part of this promotion- one has to be have online access. 

When trying to enroll for online access, I am getting this kind of error : We apologize for the inconvenience, however we are unable to process your request at this time ( XXXX ). 
Please contact Regions XXXX XXXX at XXXX ( XXXX ) for further assistance.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I signed up for a loan on a car with XXXX  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the XXXX  and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was XXXX  who put it in as a repossession. I called XXXX  and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.

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 2023-10-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not LIABLE for this debt. I DO NOT have a CONTRACT with " National Credit Systems ''. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law. 


I am also requesting that the company send me the " ORGINAL '' contract copy with my wet signature I am also requesting that this company send a copy of the payment history, as well as the " ORGINAL ' address of the " ORGINAL '' creditor and I am also asking for proof of collection authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express directly marketed a new 0 % interest free credit card to me. I clinched on the marketing email, applied, my credit was ran and I was approved for the interest free card in XXXX of XXXX. Apparently, because of a late fee Amex assessed in XX/XX/2023, they applied a penalty to my account and removed the 0 % interest rate and replaced it with a 29.99 % interest rate, without providing any notice of the change in rate or penalty rate increase. From XXXX - XXXX, I never used the card or paid the balance off immediately, so interest was never a concern. This past month, I carried over a balance for the first time, made the minimum payment, and was charged a {$230.00} interest fee charge, which is the first time I was made aware of the change in interest rate from 0 % to 29.99 %. I chatted with Amex customer support and they confirmed they assessed a penalty in XXXX and changed my interest from 0 % to 29.99 % and never notified me of this change but told me that if I checked the statement, I would have seen the change. 

Not only did they provide no written correspondence about the change in rate, which was confirmed by the support representative ( see attached ) they also confirmed that my account has SCRA benefits applied, which is illegal to charge any interest over 6 % while on XXXX XXXX, which I currently am. Which they confirmed and can also be confirmed on the DoD database. I am attaching all relevant screenshots of my conversation with Amex support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX? 

I had to XXXX XXXX, they are a utility service provider. 

Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO?? 

I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.

This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my husband and Is checking and savings accounts as well as my business checking account. This happened while my husband and I were out of the country, XX/XX/XXXX, we had no funds at all. This brought so much stress on both my husband and I. We didnt get any warning in any communication. We were told by the agent over the phone that funds will be released after XX/XX/XXXX. I called yesterday, XX/XX/XXXX, and was told they still dont have a date and funds are still being validated. We already received the bank statements showing the funds and how much is left for each account. Its already more than a month and I want the funds released, its our money. If only they can pay penalty for humiliating us over the phone and doing this to us like were criminals in which were absolutely not, I would demand for them to pay. I am beyond frustrated trying to guess when theyre going to give our money back. Please, help us.

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 2023-04-01
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: LD Holdings Group, LLC
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: Account information incorrect

Complaint:
I would like to reopen my complaint number : XXXX This complaint has all the information I submitted earlier. The company replied me back with the wrong information and closed my complaint. 

The sent me attached Notice of Transfer letter and found it was addressed to a wrong person and at wrong address. That letter also has wrong Loan numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I dont own the above property and my property address is XXXX XXXX XXXX, XXXX CA XXXX. Im still making payments to loan depot and my account is not transferred. It looks like you mixed up my name with someone else who also has the same name like me. 

I confirm I did not receive any letter from you and my loan is still with Loan Depot. It sounds like the payment I sent on XX/XX/XXXX was received under a different account that does not belongs to me. This is very serious mistake and I would like you to review it carefully. 

Thank You, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages th  at I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored m  y request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any o
f the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
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. I demand that you delete all of the accounts listed below immediately & provide me with a copy of a  n updated and corrected credit report showing that these items have been deleted.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2023-09-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In 2019 my mother in law signed up for lowes credit card, she purchased appliances, before I was added. I was in back getting wood for the project. When I got to the feont she asked me if I wanted to be authorized user. I asked why she said so if I need to grab anything for her house when I'm out and about. We called the number again and a lady recorded me on a scripted questionnaire thing to add me. She said joint owner I said no authorized user. She had to start the process over. Second time she said authorized user. I was added. I verified at the end I was authorized user. If I go to lowes without card in hand they can't find it when searching my creditentials, they can find it with my mother in laws creditentials. When we call into XXXX XXXX  they want her to authorize me to talk to them. On their site shows me as authorized user. Every which way I go I'm an authorized user. I went to remove myself from account and they said no because I'm a joint owner. Spent 2 hours on phone with 3 separate people. I had no option but to close account and destroy my credit of 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