BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During yearly credit check on XX/XX/2023 I noticed a collection account that was just added to the report from Resurgent Capital Service LP, XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX after contacting the company they asked my name and social and after a few minutes into conversation the representative said they are part of federal agency and I need to make arrangement to pay the {$1300.00} or they would send it to the local sheriff department. I told them that account is not my account and send them 3 picture government issued ID and sent it to above mentioned address with signature required registered mail, after they received my ID they responded with a letter to my home that shows they have corrected the address on their file to my current address that I gave them on the phone, I contacted them again and they refuse to acknowledge to have received my registered mail but my receipt back from post office shows a person name " XXXX XXXX '' have signed on behalf of the Resurgent Capital, and they should have everything to help them correct this. I also contacted Secretary Of State and got their Registered Agent name and address and have not filed suit yet, I'm trying to get this resolved befor I take to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report. 

3. I have a total of 4 wrongful inquiries on my credit report. 
-Amex XXXX -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Donut, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I invested in a XXXX investment company based in XXXX called Donut back in XXXX of last year in the amount of {$180000.00}, they promised a fixed return of XXXX  % with no risk involved, in XXXX of 2022, they froze my account, I can't withdraw anything, based on XXXX XXXX company struggle, now XXXX just filed bankruptcy, and I can't get hold of anybody to see how am I getting my money back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: American Credit Acceptance, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a auto loan through American credit acceptance for a truck purchased in California. 
A month after purchasing the truck we moved from XXXX XXXX XXXX  in XXXX XXXX The loan was paid off on XX/XX/XXXX. At the time of payoff, I called ACA and confirmed the title would be mailed to me at my address in XXXX where the truckis registeredandinsured. I was assured it would be sent XXXX  to my address. I have contacted ACA 8 times to now be told it is an electronic title that was released to the state of XXXX I do not live on XXXX. I've not been able to contact XXXX XXXX XXXX is on the same electronic title system. XXXX  was able to find the electronic title but it still has the lean on the title. When I call to speak with ACA they say they have done their part. Now, I don't have a title and have no way of getting a title to a XXXX truck.

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 2019-08-28
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
on XX/XX/17 I had my kitchen redone by home depot. The charge on my credit card was for XXXX. I have been paying my bill monthly and lowered my bill to XXXX. I received a bill in the mail that charged me XXXX in interest, bringing my bill up to XXXX. I feel this is excessive and I was unaware of the interest that would be added to this bill by a certain date. If I had been fully informed of this practice I would not have agreed to this knowing my financial limit. I called and spoke to someone on the phone declaring my concerns and they closed my account and and stated I can pay a certain amt for 5 yrs. I feel violated and feel I was misinformed of this credit card rules. I work hard to keep my credit in good standings and this grossly unjust interest has set me back. I can't believe this could be a legal practice. Please advise.

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 2022-10-22
Company: EQUIFAX, INC.
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:
n 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. 

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. 

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 2021-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, several transactions occurred involving my debit/ATM card. There were XXXX charges using the debit card at various XXXX and XXXX ATM withdrawals from Chase branches XXXX All of these took place in cities/towns distant from where I was working at the time. Chase notified me that there was suspicious activity on that same afternoon and I immediately responded asking that the card be XXXX. My Debit/ATM card was in my possession the entire time. Whatever was used during the transactions had to be a fake card. The next morning I notified the XXXX XXXX Police Department ( XXXX # XXXX ). There is a related case ( # XXXX ) with the XXXX XXXX XXXX XXXX 

The total amount of the fraudulent charges was {$2400.00} and an additional {$4000.00} was taken from the Chase ATMs. Initially Chase refunded the entire {$6400.00} to my account, but then they reversed themselves saying that the charges were not fraudulent, but that they were authorized. I have repeatedly contacted the bank in many different ways to explain that the charges were not legitimate. I have presented documentation that at the time the events took place, I was in a secure facility an hour XXXXs drive away. I showed a long pattern of use of the card. In addition the police requested and received a subpoena for video surveillance data from the Chase branches. Chase has replied that they can not produce the video evidence. Even though I have multiple accounts with the bank and have been a customer in good standing for many years, Chase refuses to consider the additional information insisting that the card could not have been cloned. There are many references showing that it is possible to fake an ATM card. 

In summary, through no fault of my own, improper, fraudulent charges were made against my account. Yet the bank refuses to acknowledge this. As an account holder, I have no leverage to get Chase to fairly consider all of the facts and take the proper action. Can the CFPB help me get this issue resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-16
Company: EQUIFAX, INC.
State: LA
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:
XXXX credit bureau fraudulently said I started a dispute in which I did not start a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX, my SS # is XXXX. 
I am FILING THIS COMPLAINT TO TRANS UNION FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

Your failure to positively verify these accounts has hurt my ability to obtain credit.

PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX & 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 explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-06-05
Company: Experian Information Solutions 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: 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 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 explanation
Consumer complaint received 2020-02-01
Company: First Data Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/XXXX I received a email from TRS Recovery Services inc with a demand for XXXX. 

XX/XX/XXXX I mailed them ( tracking number XXXX ) with postal money order in the full amount of XXXX. 

According to the tracking information provided by the postal service the payment was received on XX/XX/XXXX. 

On or about XX/XX/XXXX I received a call from XXXX, A representative of the original creditor of XXXX  XXXX XXXX, ( XXXX ) XXXX, XXXX claimed I never paid the debt, he demanded I make payment with him.

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 2022-09-05
Company: Genesis FS Card Services, Inc.
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-08-09
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX issued by *Synchrony Bank was closed on XXXX due to inactivity. We had no idea this would be done and had the card to use for times when items were needed. Upon calling, the rep stated the conditions were in the agreements. They are not and these companies are using algorithims that they can not explain. They *Synchrony Bank XXXX also lowered my limit on Sam 's Club card driving up the credit limit ratio to 97 %! without notification. I was supposed to receive a letter after I called and never did. I was told to reapply for XXXX XXXX! why should I when the interest will be higher due to their actions. 

The closing of the account hit the credit bureau and decreased my score substantially to the poor range because they did not report as inactivity but made it look like it was just closed. 

Synchrony seems to be on a trend with this as theiXXXX XXXX site names several such incidents of people who had no marks and whose credit took a dive. They appear to be trying to get more money by lowering your score, having you reapply with a bad score and pay higher interest rates. Their cards already have high rates like usury fees and now these antics are making it worse for people just trying to live and who pay the cards monthly only to be punished.

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 2023-01-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The informant is innocent on all XXXX credit agencies as well my deposit have yet to be verified

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 2022-09-05
Company: Experian Information Solutions Inc.
State: NE
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-12
Company: Cedars Business Services, LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the company for evidence of indebtedness via certified mail on XX/XX/2022. On this same day as well as months before ( in which the company admits to receiving in a complaint reply through the cfpb portal ), I requested the company cease all communication with me pursuant to 15 USC 1692c through any medium, however the company continues to furnish unvalidated information to XXXX, XXXX, and recently adding XXXX after receiving via certified letter from me requesting cease communication. The actions of this company has been defamatory to my character, causing me to get denied for mortgages and extensions of credit.

Company response to consumer: Closed with explanation