BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As Company previously stated they sent validation on XX/XX/2023 I still have yet to receive any information regarding my dispute with the company as the 30 day period has ended and it is still reporting to my consumer report UNDER THE ( FDCPA ) A COMPANY HAS 30 DAYS TO RESPOND WHICH MEANS THE LETTER MUST BE IN MY HANDS WITHIN 30 DAYS THE XXXX WAS A FRIDAY NO MAIL WAS SENT SATURDAY MAIL DOESNT GET DELIVERED SUNDAY SO MONDAY THE XXXX NO MAIL CAME STILL AND IF THE COMPANY MAILED IT OVERNIGHT TO BE DELIVERED ON SATURDAY THE XXXX I NEED TO SEE PROOF IF THIS ACCOUNT IS NOT REMOVED IN 4 DAYS THIS OPENS THE ACCOUNT UP FOR LITIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2020 I made a dispute online with Chase. The dispute was for an airline ticket purchased on XX/XX/2020 with XXXX in the amount of {$2100.00}. The airline canceled my flights and refused to issue a refund. On XX/XX/2020 I received a letter in the mail from Chase Cardmember Serives saying my dispute was resolved and they would rebill my account for the full amount of {$2100.00}. They did not provide any other explanations. I called chase on XX/XX/2020 and a representative told me my case was closed because XXXX XXXX provided the terms and conditions to my flight and they had no obligation to issue a refund. I explained to the Chase rep that those terms and conditions are in violation of the United States of America Department of Transportation 's rules and regulation. They issued an Enforcement Notice on XX/XX/2020 Regarding Refunds by Carriers because so many airlines were violating US Laws. Denying refund requests and limiting passengers to vouchers or credits for future travel breaches the companies contracts of carriage. The U.S. Department of Transportation clearly states that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight and the passenger chooses not to accept the alternative offered by the carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
EXPERIAN LLC. VIOLATED FCRA BY NOT SENDING NOTIFICATIONS TO THE CONSUMER OF ANY IMPENDING ADVERSE, NEGATIVE ACTION IMPACTING THE CONSUMER 'S CREDIT REPORTS! SECONDLY, The Creditor AND PUBLISHER failed in that it did not conduct a reasonable investigation. Secondly the company did not accurately correct inaccurate information- nor because they caught to intimidate a consumer by not removing the disputed item under 15 U.S.C. 1681Ia [ 1.a ] by not removing or willful non compliance remove the negative and inaccurate information when EXPERIAN LLC . Was notified that the account information was under dispute via the CFPB PORTAL. notify when it DID NOT supplied the negative information. The Creditor also failed because they refused to notate my right to Dispute the ERRONEOUS negative information. The user must notify when it post negative information. This is defined as IMPERMISSIBLE PURPOSE. LASTLY it is also a Violation of the FCRA & FDCPA AS WELL AS THE FEDERAL TRADE COMMISSION VIOLATIONS to utilize " DECEPTIVE TRADE PRACTICES TO CLAIMING AUTHORITY TO USE FEAR TACTICS TO LIE ABOUT THE CLAIM THAT THEY REPORTED TO IMPERSONATE THAT THE WERE " ATTORNEYS '' IN VIOLATION FOR STATE & FEDERAL LAWS OF THE " SURPRISES ACT. OF XX/XX/2021. FOR THESE VIOLATIONS OF FEDERAL & STATE LAWS THE CONSUMER IS GOING TO INFORM THE FEDERAL TRADE ADMINISTRATION AS WELL AS THE ATTORNEY GENERAL 'S OFFICE AS WELL AS THE BETTER BUSINESS BUREAU OF THESE VIOLATIONS OF LAW ENACTED BY THE BUREAU AND THE FURNISHER OF THE INFORMATION FOR. APPLIED DECEPTIVE & UNFAIR TRADE PRACTICES TO DECEIVE AND STRIKE FEAR INTO THE CONSUMER THROUGH IDENTITY THEFT AS WELL AS TO THE CONSUMER 'S CREDIT REPORTS WITH THE INTENT TO BOTH DECEIVE AND COLLECT NEGATIVE AND ERRONEOUS INFORMATION WITHOUT WRITTEN CONSENT OR A CONTRACT. " NOW THAT YOU UNDERSTAND YOUR ERRONEOUS, NEGATIVE, INCORRECT AS WELL AS INCOMPLETE VIOLATIONS OF FEDERAL LAW, WITHOUT ANY WRITTEN PERMISSION OR WRITTEN CONSENT BEFOREHAND OR WITHOUT THE CONSUMER 'S CONSENT BEFORE STANDING ON MY PRIVATE - FROZEN CONSUMER REPORTS!! - Now that you know THIS - DELETE IMMEDIATELY THESE VIOLATIONS! The CONSUMER will inform the FEDERAL TRADE COMMISSION OF THE PARTIES DECEPTIVE TRADE VIOLATIONS AT ONCE!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-08-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
per fcra this company is entitled to provide proof to me regarding the debt to ensure it actually belongs to me.. I have made several request for them to provide proof and no proof has yet be submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These are not my items

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Allen & Withrow
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with Allen & Withrow at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. 
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. 
Judgement was then filed XXXX for {$5600.00} for XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact Allen & Withrow at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. 
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. 
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with Allen & Withrow when I gave my social security number. 

I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from Allen & Withrow. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. 

Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to Allen & Withrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE 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

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 2022-12-30
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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 have sent several notices over the past year or two to the three main credit bureaus ( XXXX, EQUIFAX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account I have for XXXX  and XXXX XXXX on my report don't belong to me and I told the company that it was fraud and nothing is being done. 

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 2023-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. 
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. 
Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. 
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. 
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number. 

I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. 

Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: SYNCHRONY FINANCIAL
State: WA
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:
Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report.

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 2023-05-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
American Express card charged my card {$7500.00} on XX/XX/XXXX. for an amount I did not authorize and which I disputed in XX/XX/XXXX. American Express refused to reverse the charge. 

On XX/XX/XXXX I filed an identify theft compliant on IdentifyTheft.gov ( see attached ) American Express continued to refuse to reverse the charge, charged me interest on the {$7500.00}, closed my account/refused me credit when I did not pay the {$7500.00} plus interest, submitted negative reports on this to all three major credit bureaus ( significantly damaging my otherwise perfect credit history ), had four sequential collection agencies hound me to replay, then American Express 's legal department filed a lawsuit against me, obtained a default judgment without lawfully serving me, had the sheriff unlawfully attempt to seize money from a XXXX XXXX XXXX XXXX account not in my name for which I am only the trustee for other beneficiaries, and still refused to reverse the charge and interest or stop trying to pursue the lawsuit and default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a refinance with our current mortgage company, NewRez. Very up front that we had filed Ch. XXXX bankruptcy and it has since been closed well over a year, which is the XXXX XXXX rule for refinancing loans. We were assured that we will be fine and all will go smoothly. Gave all our requirements, had our credit run ( which lowered it, of course ), paid the appraisal fee, was told by the person working with us that it should be smooth sailing after the appraisal. Didn't hear back from them for over a week. I emailed, no response. I finally got ahold of a Senior Sales Manager who told me that our original agent was on vacation and he could help us. He said there were issues and he needed to get them corrected. Not a big deal. Said my husband, who is the veteran, was listed XXXX and should of been listed first, which I told the original agent that, and was told, it wasn't an issue. Then they had all of our debts listed XXXX, which showed our debt to income ratio was very high. So that had to be fixed. Then, they ran our credit again, thus taking another hit. After all that, I had to reach out to them again for an update. I was told that their underwriters denied us because we had to be out of the bankruptcy for over XXXX  years, even though the XXXX requirements are only XXXX. The senior manager said he would try to do a " manual underwriting '' with the underwriters, thus asking for an exception to their rules. Waited for a few days to pass with no word from them. I reached out again to them and was told they refused to provide an " exception '' and said, sorry, but we can't help you. Even though they currently have our mortgage, we have over $ XXXX in equity built up and we make over $ XXXX per year. No exception. I asked why our credit was run again even though it had only been XXXX weeks since the last time and was told that they can run it as much as they want and it won't affect it, if we apply somewhere else. The only offer that was made was that if we want to try at another company, they will send over our current appraisal so we don't have to pay again. That was it. Very, very upsetting.

Company response to consumer: Closed with explanation