BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against a collection company that is trying to collect a debt related to a phone services bill, in violation of the Fair Credit Reporting Act ( FCRA ). The collection company in question has failed to provide me with any validating information regarding the debt and has engaged in aggressive and harassing tactics in attempting to collect the debt. Additionally, the collection company has continued to report the debt on my credit report despite my requests for verification. 

I believe that this collection company is in direct violation of the FCRA, which stipulates that collection agencies must provide consumers with validating information regarding the debt they are attempting to collect and that they may not engage in aggressive or harassing tactics in attempting to collect the debt. I have attempted to dispute this debt with the collection company but have been met with unprofessional behavior and inability to verify the debt in question. 

I respectfully request that the CFPB investigate this collection company and take appropriate action to hold them accountable for their violation of the FCRA. I also ask that you help me verify this debt to ensure that it is legitimate and has not been reported erroneously and have it removed from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Nexera Holding LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting on XX/XX/XXXX I received communications from XXXX XXXX ( NMLS XXXX ) along with a dozen other lenders based on an inquiry on lending tree. On XX/XX/XXXX I did more paperwork to pre-qualify. At this time I was still talking and working with at least 6 companies. We had discussed locking a rate understanding they change daily. On XX/XX/XXXX he sent me an email saying he locked my APR rate at 2.681 %. When the paperwork arrived it had an APR rate of 2.862 %. When I asked why I was told XXXX rate and the documents had another XXXX XXXX said he made a mistake and switched the numbers and I should have assumed the quote from 2 days earlier was the current quote even though they change daily. When I wrote back that I expected this quote to be honored he eventually emailed back they have a 2.5 % interest rate for me, that he will resubmit my application on my behalf. Three days went by, I had to keep emailing that I wanted the updated documents. Today I got another email that they dont actually have the 2.5 % rate he quoted me. So twice he has quoted me in writing in email then when I expect to see it in official writing he says actually no. Starting with the original 2.681 APR quote I stopped communicating with other brokers. Ive now spent 8 days of fluctuating rates waiting for Newfi to honor the quote and am now told actually no. This is highly unethical practice. I allowed Newfi to pull my credit and have missed all this time because I expected a mortgage company to honor its written quotes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America has an option in checking for " Spending and Budgeting ''. 

The categories are " Spending '', " Income '', " Transactions '' and " Cash Flow ''. 

However not all transactions are included. For example when I pay my Bank of America credit card, it comes through as " Bank of America : Finance : Credit Card payment '', but it does not show in " Cash Flow '' unless I change it to " Finance : Credit Card payment ''. 

That is just one example. They have preset categories and ignore anything else. This is not a " Budgeting '' report if it does not include all transactions. At the very least any transactions that do not fall into one of their categories it should go into " Other ''

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 non-monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt XXXX  and Equifax followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : XXXX  XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged High Credit : XXXX {$4100.00} Equifax {$3300.00} look at the 2 year history equifax is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NC
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:
NAME- XXXX XXXX XXXX NUMBER- XXXX EMPLOYER- XXXX  XXXX XXXX I am writing you FOR THE XXXX TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00} Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MO
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : 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  has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$2200.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me. 

In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership.

In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system. 

Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. 

I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In early XX/XX/XXXX I reached out to Navient about two 90 day late items that were on my credit for XX/XX/XXXX, from my Federal loans ( XXXX ) and ( XXXX ). The issue was that, these loans were supposed to be in forebearance/deferred ... as during XX/XX/XXXX I was accepted into another program at another university ( XXXX ). After explaining this, the representative on the phone advised me to resolve the issue I should send a letter and any other documentation I had to Navient 's credit department. On XX/XX/XXXX I sent a certified later via USPS that included the reason why the late payments were an error along with supporting documentation which included the emails I was receiving from Navient that updated me on my loans. I did not hear back from Navient, so today XX/XX/XXXX I called Navient only to find out that they still have not removed the late items from my credit and while they see the evidence I was being misled with their communications ... they are still deeming the late items valid. This to me is a gross violation of my consumer rights as ; 1. I was misled the entire time by Navient, whose communication and reps basically told me that I was in grace/forebearance. 2. I was not given adequate notice which is one of my consumer rights under FCRA ; to make arrangements to prevent my accounts to be delinquent, as Navient basically put a 90 day late on my credit reporting with giving me a 30 day notice. This has huge significance as I have been denied credit in the form of a mortgage and credit cards over the past months ... and lenders are citing the 90 day late as a adverse reason, which compared to a 30 day late would not have the same ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My name as stated on all my legal identity documents including my Social Security Card is XXXX XXXX XXXX. Loanpal is referring to me as XXXX XXXX XXXX and is refusing to correct this. I have shown them proof of a legal name change in XX/XX/XXXX and they tried lying to me about my name legally being XXXX XXXX XXXX when it is not. They would refuse to correct my name on the loan certificate that was issued before the install was finished even though they said payments are not due until 60 days after completion of the project. They would lie to me in XXXX of XXXX and XXXX of XXXX about fixing the name on my account and still send me statements under an illegal dead name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: AMERICAN EXPRESS COMPANY
State: MN
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 closed a credit card with American Express in XX/XX/XXXX after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was 0 and the account was closed American Express has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Within the last five months I been sending letter to TransUnion about removal of a bankruptcy that is not verified. The company they used XXXX sent me a letter that they removed the bankruptcy because they couldnt verified so I sent transUnion the letter from XXXX and they refused to remove the bankruptcy and numerous of phone calls with no 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 non-monetary relief
Consumer complaint received 2019-09-26
Company: Valentine and Kebartas, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Valentine and Kebartas called everyday from XX/XX/2019 until current using different numbers XXXX XXXX, Florida area XXXX ) from a company in Massachusetts. I finally spoke to a supervisor, XXXX XXXX, and he would not disclose the reason for the call. The representative and XXXX XXXX both possessed an abusive tone towards me. They never left a message when they called everyday. The process is deceitful and I felt mis-treated and they were condescending. Please prevent companies like Valentine and Kebartas to behave in such a manner.

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 2023-10-10
Company: EQUIFAX, INC.
State: PA
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:
In XXXX, I filed a CFPB Case : XXXX against XXXX XXXX in reference to an unauthorized inquiry. XXXX responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted XXXX XXXX over the phone and didn't get resolution.

Company response to consumer: Closed with explanation