BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
LVNV Funding purchased an elevated charged off debt from my a credit card company that I acquired while living in Maryland in XXXX. I closed the account due to losing my job and sent the minimum payments. The original creditor sent a charge off and closed notice in XXXX for {$450.00} which was interest and principal of {$120.00}. 

In XXXX, LVNV funding has constantly harassed me by hunting me down in my new residence state of Virginia. The company filed a court case in the county of XXXX, VA attempting to obtain a judgement against me while constantly blemishing my credit files. The judge in that court case did not grant the company a judgement and he honored my dispute since I referred to the Fair Debt Collections Practices Acts 609, 611 and 613. The judge in the case advised LVNV Funding that according to the rules of the FDCPA that I, the consumer, has the right to dispute and contest. The judge advised LVNV Funding to adhere to the rules of the FDCPA and proceed accordingly. To date the company has not complied. 

My credit is receiving constant credit score impacts preventing me from moving forward in my career and my personal life. I am requesting LVNV FUNDING to be removed from all major and minor credit reporting agencies due to illegal practices of collecting bad/unverified debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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 recently reviewed my credit report and found a number of inaccuracies, including unauthorized inquiries and accounts with creditors and lenders that I have never done business with. I disputed the inaccurate information with Experian, XXXX, and XXXX, but I have not received any feedback from them despite it having been over 30 days since I sent them letters requesting investigations.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXXXXXX 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.

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 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an unexpected account closure with Bank of America, and my account had an outstanding balance due to overdraft fees. I was not given any prior notice or a reasonable amount of time to address and pay off the balance before the account was closed. 

I had taken actions to address the overdraft fees, but due to the sudden closure, I was unable to complete the process and clear the outstanding balance. This situation has caused significant inconvenience and financial strain. 

I would appreciate it if you could forward this information to the relevant parties involved. Thank you for your assistance in addressing this matter.

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 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I open an account in XXXX  and was explicitly told that regardless of balance that I would not incur any fees, as long as I had direct deposit set up for both checking and savings. Despite these reassurances, I was charged for six months unfairly. I attempted to bring this to Bank Of Americas attention And they refused to compensate me for the funds stolen from my account

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 monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights # XXXX. 
15usc 1681 section 602 A States I have the right to privacy.

15usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15usc 166b States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 2023-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Address that needs to be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Global Trust Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by phone from a third party collection agency called XXXX at XXXX or XXXX. They stated they now owned my Cash Central bill from 2018. They threatened legal action in court too. However, they refused to mail their letter to me verifying my debt with them and Cash Central. They wanted me to pay them immediately. I refused and also disputed this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have messaged them through my account with them and also I spoke with someone almost 2 months ago and they ( She ) told me that it could take up to 30 days to correct the issue. I had requested to get the lowest payment possible and they ended up putting all of my loans together mine and parent loans and then told me I had to pay almost XXXX dollars a month. I requested to have the parent loans removed and then that way I could get the lowest amount for my loans. She stated they will do that. Now when I look on the site, it is showing the parent loans separated from my consolidated loans, but my loans are still at a {$600.00} dollar payment. They also are not putting my PSLF time in correctly. I have worked for a non profit since XXXX. Now my loans are coming out of forbearance on XX/XX/XXXX and nothing has been fixed. I dont understand why this is so hard for them. I clearly can not afford a {$600.00} dollar payment on mine plus another {$100.00} on my kids when I make {$50000.00} a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX  Mortgage XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly TransUnion is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/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 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit 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:
On XX/XX/2023, I ordered an item " XXXX XXXX XXXXXXXX Edition Wireless Controller '' for {$88.00}. I received a tracking number for the item ( XXXX ) and received the item delivered through USPS. On XX/XX/XXXX, I received the item, and noticed that the item was very poorly packaged ( the item was just put in a very thin plastic cover with no bubble wrapping or box ) and immediately decided to return the item. I never opened the item and just wanted to buy from elsewhere, as I didn't want to risk using a product that was damaged or use a product that could easily be damaged down the road. I also value boxes of items, so seeing that the item was in that state was disheartening to me. I started a return on the same day, and on XX/XX/XXXX I sent out the item to be returned ( XXXX ). It was delivered on XX/XX/XXXX, and on XX/XX/XXXX I decided to inquire about the status of the refund, as it had been some time with no response. I was sent an email on XX/XX/XXXX that stated " The incorrect item has been received for your return. The serial number of the item received does not match our records for the item shipped. XXXX will not be taking further action on this order. '' Naturally, I immediately opened a dispute on the same day, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Capital One that stated they required more information from me, and also attached information that was sent in by the merchant. Standard things like serial numbers being different, tracking number timeline for the item, as well as invoices. Capital One stated that they needed more documents from my end such as the merchant 's return policy, sales invoice, and proof of return, to name a few. I provided everything to Capital One to the best of my ability, and today on XX/XX/XXXX I received a letter stating that " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' I never was told what information was lacking, and I was told " Unfortunately, based on the information we have, we are unable to assist with your claim. '' I just want to work with Capital One and provide as much information as possible to help with the dispute, and of course, get my money back. I'm just not sure what else to do from here if they are lacking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Credit Control, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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 a account without my written instructions 15 U.S.C 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 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 2020-03-21
Company: Allied Account Services, Inc.
State: MA
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 do not know this account reporting with balance that they said I owe. I have no affiliation or any participation with them that is why I am trying seek help from you guys to help me resolve this by removing their reported account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I filed bankruptcy chapter XXXX case # XXXX with Sallie Mae who was later became Navient was removed from XXXX since the loan was open in XX/XX/XXXX. Then it was placed back on my credit tried to contact XXXX to have it removed but it is still on my credit. All other credit bureau have removed from credit them one of my old credit file confirmation # XXXX XX/XX/XXXX had Sallie Mae on it but was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am reporting that company JPMCB CARD has illegally flagging and RE-aged on my credit report a Charge-off on the date of XX/XX/2023. 
Source : XXXX XXXX : JPMCB CARD Address of JPMCB : XXXX XXXX XXXX, XXXX, DE XXXX CompanyPhone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( ChargeOff ) Illegal and False Balance Date reported : XX/XX/2023 to re-age the account. 

JPMCB violated FCRA. The JPMCB has recently changed the date of the original delinquent date. illegally " re-aging '' this account on my report. This new date reported is reported is XXXX XXXX. Which is purposely FALSE and INACCURATE,. The original and first delinquency date on this charged-off account is important to verify the accuracy of the first delinquency date reported by the creditor. Importantly, this date determines the length of time ( 7 years ) on my report and statute. I am requesting an investigation, apply necessary fines against JPMCB for deceptive, false reporting and deletion of this inaccurate and harmful account permanently from my credit report and a blatant violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I contacted TransUnion about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX Inquiry on XX/XX/2021, XXXX Inquiry on XX/XX/2021, XXXX - XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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