BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).

I am a consumer as that term is defined by the FDCPA and RFDCPA.

LVNV Funding is a debt collector as that term is defined by 15 USC 1692a ( 6 ). LVNV Funding is also a debt buyer with a laundry list of complaints against them on the CFPB, FTC, and XXXX. 

I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of LVNV Funding pursuant to 15 USC 1692a ( e ) and make you aware that they have invaded my individual privacy under 15 USC 1692a.

Within the last year, LVNV Funding and its associates/agents have attempted to collect an alleged consumer debt from me. This alleged debt is beyond the statute of limitations in the State of California. 

On multiple of occasions, I have disputed this alleged debt with the credit reporting agencies and directly with LVNV Funding. Each time, LVNV Funding has failed to properly update my consumer report to reflect this dispute which is a violation on the FCRA under 15 USC 1681.

Additionally, by LVNV Funding reporting this alleged debt on my consumer report without validation, it is a violation of 15 USC 1692g. When LVNV Funding reported this account to the CRA 's and stated that I owed a debt, they violated 15 USC 1692b ( 2 ).

LVNV Funding is solely reporting this account as an attempt to coerce payment, which is also a violation of 15 USC 1692d ( 4 ).

Lastly, under the FCRA, this consumer credit transaction is supposed to be excluded pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

LVNV Funding violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when LVNV Funding and its agents engaged in the foregoing conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My complaint is about Synchrony Bank closing my Paypal Credit card ridiculously to expropriate 2 % cash rewards. 
During the card statement ( XXXX ), I spent {$20000.00} through 4 transactions and would earn {$410.00} reward after the period ended. But Synchrony bank closed my credit card on XX/XX/XXXX when balance is XXXX. 
Their explanation was " I'm a high risk user ''. But, ( 1 ) my credit score is over 750 without any overdue issue and ( 2 ) I paid off balance at the same day when I swipe above 4 transitions.

( 3 ) the balance is keep XXXX. 
It's ridiculous how risky I am for Synchrony bank! 
Then I asked to reinstate my credit card. but I got their final declining decision later. 
However, in that week, I got a pre-approval letter from Synchrony Bank to apply for new credit card. This offer prove I'm qualified for their credit card without high risk. 
It's obvous that they just find a excuse to closed my last credit card to reject to pay my hihgh reward of {$410.00}.

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 2023-07-05
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I reached out to U.S. BANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by U.S. BANK. Shortly after completing the transaction, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to U.S. BANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that U.S. BANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.

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 2023-02-15
Company: CAVALRY INVESTMENTS, LLC
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX- {$180000.00} has been charged off and closed since XX/XX/2018, and there has not been any activity on this account since then. Please help to have this removed from my credit reports as it is stopping me from purchasing a home for my family. 

Cavalry Portfolio Services - {$8500.00} has also been charged off and close for close to 5 years now, and there has not been any activity on this account since then. Please help to have to removed from my credit reports as it is stopping from purchasing a home for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
I did not provide TransUnion with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company with consent to share my credit card ( ID, SSN, etc ) with another entity ( TransUnion ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-08-15
Company: Windham Equity Company
State: ME
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:
The company Lease and Rental ( now auto use auto loan ) continues to report inaccurate information to my credit report. I requested the company to supply me with all information regarding the account and sent a validation letter. The company has not responded to any of my requests and I have mailed multiple letters. The company does not delete the account from my credit reports and continues to report inaccurate information. Recently the creditor updated the account from a dispute and caused my fico score to drop 21 points because it calculates a missed payment although I have not missed a payment in over 2 years. This drop in score has disqualified me for a pre-approval for a mortgage and leaves me at risk for being homeless because my landlord is selling the building and future buyers may require my family to vacate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XXXX, my landlord requested we set up an account with XXXX and XXXX XXXX and begin covering our own water bill. I did so, and was sent a bill for a {$100.00} deposit. I wrote a check on XX/XX/XXXX, dropped it in a XXXX XXXX on XXXX XXXX, and went back to my life. 

A month later, I noticed my checking account appeared low. I noticed an unusual withdrawal of {$900.00} from my checking account. Clicking on the transaction, I could view an image of a check I'd written on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX' for {$100.00} that had been washed and rewritten to " XXXX XXXX '' for {$900.00}. The check had been deposited on XXXX, one day after I attempted to mail it. 

On XX/XX/XXXX, I went to Chase Bank and filed a Declaration of Unauthorized Endorsement or Altered Item. Chase was very helpful from the start, saying they could clearly see this check had been washed. I submitted the forms and Chase credited my account for the {$900.00}. They explained this was a credit and the depositing bank is responsible for repayment. The depositing bank, they told me, was XXXX. 

XXXX  responded to Chase saying that they set up a claim and were investigating. Now, a month later, Chase has sent me a follow up on my case saying " if we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered. '' XXXX  accepted a clearly fraudulent check and is now unresponsive. I am at risk of losing the {$900.00} credit from Chase, as they will not protect me as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND TRANSUNION REPORTED THIS ACCOUNT AS PAID AS AGREED

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 2023-07-19
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Brinks master card, netspend prepaid I bought multiple cards that I loaded with XXXX or even up to XXXX that I wasn't able to fully activate back in 2021 my car was stolen and some of the prepaid cards I bought not fully registered got stolen so thru out years I given up on my $ but now that I know u guys exist I need help now they tell me when I call they say that am not eligible but never given me a reason

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 2017-03-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. National account sys account number xxxx unverified account 2.XXXX account number XXXX Unverified account 3.XXXX Collection Agency Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over 30 days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail

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 2017-03-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2021-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged prior to the date I authorized the merchant to complete the charge. I contacted Chase to dispute the charge and Chase is making me wait 15 days to dispute the charge. My understanding is that a dispute must be taken upon notification from a consumer that it is unauthorized. 

I agreed to be charged on XX/XX/2021 and was charged on XX/XX/2021 for {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: OK
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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

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

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$510.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$71.00} ACCOUNT NAME : ACCT XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$140.00}

Company response to consumer: Closed with explanation