BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Resurgent Capital Services L.P.
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:
SEE ATTACHMENTS! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Urgent : Cease Violations Immediately or Face Serious Consequences NOTICE TO : XXXX XXXX and XXXX XXXX, I am writing to inform you that enclosed within this correspondence, you will find essential documents that serve as clear proof and evidence of the serious violations of my consumer rights. These violations have been committed by LVNV FUNDING LLC, with the involvement of XXXX XXXX and XXXX XXXX, and are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act. 
These documents stand as undeniable evidence that I have NEVER granted written consent or lawful authority for the sale, purchase, storage, maintenance, or transfer of my nonpublic personal financial information. Your actions have demonstrated a flagrant disregard for my rights and legal protections. 
It is imperative that you review these documents meticulously and acknowledge the severity of the situation. The evidence at hand solidifies the fact that your organization 's actions are not only unlawful but also put you at risk of severe legal consequences under 18 USC 371, as previously indicated. This statute makes it clear that conspiring to commit offenses against the United States or its agencies, or to defraud them, carries the risk of substantial fines and imprisonment for up to five years for each involved party. 
XXXX XXXX and XXXX XXXX must recognize that their involvement in these violations is not without consequences. Your organization 's actions have put you in a precarious legal position. Immediate corrective measures are necessary to mitigate these consequences. 
In light of this compelling evidence, I reiterate my demand for the immediate cessation of all unauthorized activities concerning my personal financial information. The XXXX  out of balances associated with the accounts in question and the expunging of references to these accounts from major credit reporting agencies are non-negotiable steps that you must take immediately. 
I expect a written confirmation from you within 10 days regarding the actions you will be taking to rectify this situation. Failure to comply with these demands will leave me no option but to escalate my efforts to seek legal remedies for the violations and crimes committed against me. 
This letter, along with the enclosed documentation, marks a pivotal moment. Your response and actions will determine the path ahead. I await your prompt acknowledgment and the steps you will be taking to address these violations. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I called XXXX on XX/XX/2022 and Experian on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XXXX XXXX XXXX  which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.

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 2023-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio Recov Assoc has stated that acct # XXXX, on my credit report, is an " OPEN '' / " INSTALLMENT ACCOUNT ''. This is inaccurate. If XXXX is the original creditor, and the debt was charged off ( as indicated ), then I have no account with this company, no installment account, and the status is closed. 

Portfolio Recov Assoc has stated per " No. of Months ( terms ) '', I have a XXXX month term ''. This is incorrect. What terms and agreements did I sign and agree with, when they purchased this debt? None! So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, clearly no payments past due to Portfolio Recov Assoc ) Portfolio Recov Assc has stated the date of last activity is XX/XX/XXXX and XX/XX/XXXX. This is a contradiction, and is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/2023, on cashapp I had sent a receiver {$280.00} for concert tickets. The receiver received the money and did not transfer the product on time. I have requested a refund and the receiver has not been responding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
" Commenity Bank '' has been calling me for the last 2 months asking for a XXXX about a " Good XXXX Rewards Card ''. 

The problem? 
1. I didn't even know Commenity Bank existed before the calls started coming in, which averages about 5 a day, Every Day, at all times during the daylight hours.

2. I'm not XXXX, nor do I know a XXXX. When I look up the name ( of course, this could be a different person ), it leads me to a doctor that died a couple years back. 
3. They call from 3 different numbers, and it's painfully obvious that the voicemails they leave are from autocallers.

4. They sent a couple texts with links, but those links lead to sketchy websites that scream " scam '' to me. 

I put " Commenity Bank '' in quotes, because I can't even be sure it's a real bank. From the research I did, this isn't a new occurence. I blocked their numbers, and they still leave me voicemails with Waiting Music and the same " Stay on the line for an important call. '' Prerecorded message. 

The 3 numbers in question they've been calling me from are XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: SLM CORPORATION
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
During XXXX of XXXX, I called Sallie Mae and told them I wanted to figure out payment options because I have been having a difficult time since COVID and deaths in the family that have altered my life completely, mentally, emotionally, and financially. I am now in the process of XXXX XXXX XXXX  who lost her father who was my uncle, which has taking a financial toll on my finances while I am still recovering from the impact of XXXX. I have explained this a Sallie Mae representative who talked me out of doing a forbearance stating that it would not be in my best interest because it would cause more of a financial burden and that Sallie Mae wasn't close to reporting my account to the credit bureaus and I had time to make a payment. I made a payment a few weeks later to which Sallie Mae took out a partial payment not the full amount, once I called several representative could not give me a explanation as to why that occurred and nothing was notated on my account. I sent a complaint to Sallie Mae via mail and I did not receive a response on. 
I then spoke to XXXX XXXX who said once I get only a payment plan which included my defaulted amount that I would not receive any calls or emails because of the plan. That was not true. Since then I have continue to get harassing phone calls with people telling me different things every single time. I then received a letter threatening to take me to collections if I didn't pay by the XXXX when my payment plan was set for the XXXX. I called and spoke to XXXX and she said they wouldn't send me to collections as long as I made a payment on the XXXX ... which doesn't make sense. So I called and spoked to another representative who told me that the payment plan didn't cover everything which I was no aware ... she suggested I make a {$66.00} ( week of XX/XX/XXXX ) payment to stop it from going to collection which I did and told her that I did 't want to be contacted by representatives because I am continuously being misled. The following week I still made the {$85.00} ( XX/XX/XXXX ) payment that I agreed to which put me in a financial bind. I think I got contacted the following week after making the two payments that I needed to make {$130.00} payment, I told XXXX that I asked to stop being contacted because I don't even know what I am paying and nothing is making sense. She refused and said they are allowed to contact me. I continued to ask questions about my account and she transferred me to another representative who then couldn't explain anything and couldn't transfer me back to XXXX. Not once did or was she able to explain any explanation... again something that I continue to receive from the representatives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: GA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on TU and XXXX as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. Transunion didnt update after disputing, XXXX  has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. TU and XXXX  are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with TU due to these specific errors. Thank you for your time.

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 2023-08-27
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT COLLECTION SERVICES, WHICH WHO I DO KNOW THIS COMPANY IS IN SERIOUS VIOLATION AND BREACH OF CONSUMER LAWS AND FEDERAL LAWS. YOU ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Carvana Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.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 2019-01-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened amex gold credit card on XX/XX/XXXX when I saw they offering XXXX welcome bonus with XXXX purchase within first 3 months. After I spent more than XXXX using this card, I still didnt receive the reward. So I contacted them today, XX/XX/XXXX. they told me they canceled my welcome bonus and refused to give me a reason other than copying the terms, which none of them applys to me. I did not receive any form of notification about i am not going to receive the bonus. Therefore, I highly doubt whether they really want to reward their customers, or this is just a false advertising. I'm upside now because I have been their card member for years and now they are taking advantage of me and lying to me like this. I'm really disappointed with how they treat their customer and seeking helps from you. Thank you for any kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I received a welcome letter for the American Express Platinum card. I applied online for the line of credit. American Express immediately denied an extension of my credit. This counts as two violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

Adverse action is illegal. 15 usc 1602 section F and P both state credit is my right, and I can not be denied a right. The term creditor means someone who regularly extends credit. Credit is the right granted by a natural person meaning I am the original creditor. So how can American Express deny me access to my own credit? They can not go by a credit score
. The credit score is not the determining factor for credit worthiness. Its illegal to use this against the consumer because it leads to discrimination and misrepresentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: WY
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-07-14
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva changed there credit terms and switched to XXXX. During that time my debit card was compromised in XX/XX/2023. I called them to get it changed to an auto draft from my checking account instead of a debit card. From that point forward they were still trying to draft with my debit card. Every month I was getting charged with a late fee. Then they had to refund me and was delayed in refunding me. It continued to happen the more I discussed it with them. I was so fed up I just paid the account off. Something, I didn't want to do. They even said they spoke with my husband and never spoke with him. They have always spoke with me. Their representatives never annotated that they spoke with me, which is fradulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Revolut Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company randomly issued a notice stating they were closing my account due to a review and that " sometimes these things happen and they HAVE A RIGHT to do so '' during which I had multiple chargebacks I had to file to a company that charged my card upon also taking cash as payment. 
I want my money back from the chargebacks and my account reinstated, as I have done absolutely NOTHING against the terms of service. 

Multiple attempts to contact yet no avail, will be considering a lawsuit and filing a class action as well as a settlement option because of this I now can not get my pay. causing pain and suffering for my family. The company sends multiple harassing emails a day yet fails to respond when needed.

Company response to consumer: Closed with explanation