BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have applied in the past for a payday loan to help with planning my wedding for next year. The advertising is VERY misleading to a consumer and the ad on the internet tells a consumer about someone can get a payday loan and that there is no impact on hit on his/her credit report score. I have had numerous calls getting my hopes up for a payday loan to repay them back over time that they ask me as to why I need a loan and and the purpose of the loan and they tell me that a firm could help me with getting my credit score up like the firm of Lexington Law when I tried to get a small loan and I was transfered to a person from a loan company to Lexington Law to sell me their services as well like a Third Party. The loan company I believe did not explain any TRUTH AND LENDING BUSINESS and any of the Fair Business Pratices. I do believe the short term payday loan services receive Money from other agencies " Kickbacks '' that i believe that both companies about that an individual tells them no like Lexington Law that Lexington law tells the customer that they can pull a person 's credit and challenge the validity of business that a a consumer applies for a credit card that they offer ways based on the laws to help repair someone's credit for what they say that they can deliver for over {$100.00} a month in which they take out their fee every month and they say it would help to get a consumer credit score up within 4-6 months and that a consumer can look at his/her credit report and all it tells the consumer that it tell that there has been a letter from Lexington law that these has " Just An Inquiring '' from Lexington.Law. This to me is very false and deceiving customers to pay a fee in for fixing their credit and Lexington Law I think is breaking " The Truth Lending Law and that they probably sell some of their business to another firm or these scammers or robocallers. This to me is Unfair Business Practice and False Advertising by a loan company and by Lexington Law as well and not doing anything about their customers credit report to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX indicates that TransUnion XXXX and XXXX are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the XXXX reporting agencies make me wait again after I successfully disputed these items. 
I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX Trans Union and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing

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 2020-12-13
Company: Resurgent Capital Services L.P.
State: LA
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:
I had a time barred debt for XXXX XXXX in the amount of XXXX and XXXX the accounts were opened on XX/XX/XXXX which exceeds the Louisiana Statute of Limitations. The XXXX account debt was deleted on my credit profile with XXXX on XX/XX/XXXX and with XXXX on on XX/XX/XXXX but the XXXX was not deleted on my credit profiles. I would like the XXXX debt to be deleted as well because it exceeds the Louisiana statute under civil code 3494. The XXXX was deleted from the original creditor but XXXX XXXXXXXX sold the debt to LVNV ( C/O Resurgent Capital Services ) they show that I owe the XXXX and XXXX both from XXXX XXXXXXXX which are both time barred debts. XXXX XXXX needs to delete the XXXX debt as well not just one debt. The collection agency above needs to also delete XXXX debt because it was deleted by the original creditor. Thank you for your time and consideration into this matter and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Security Credit Services, LLC
State: NC
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 have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ). 
The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ****** A major way I was affected by the subterfuge reports, is how I went through financial misery. It was very difficult to maintain a normal lifestyle without leveraging my credit. I wasn't able to purchase a home or a car to stabilize my living situation. I have to continue to pay rent at a premium rate because of the impact of Security Credit Services , LLC XXXX Inc 's willful noncompliance reports on my consumer report. I also missed out on multiple contracts, jobs and different income opportunities that lead me to financial hardships due to the noncompliance reporting on my consumer report by Security Credit Services , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase called me while I was driving my vehicle to my job and asked me if I was trying to purchase something from XXXX in New York for {$500.00}. I told them 'no '. Then Chase asked me if I knew someone named XXXX XXXX. I told them 'no '. Chase told me that they were setting up a restriction on my account and that they would be sending a text. All of this was done while I was on the telephone. Chase said they would send a request to see if the restriction was active and said it was a 'bogus ' request and that I needed to respond 'yes '. After that is when the money was taken from my account in the amount of {$1000.00}. I called Chase fraud and told them what just happened and they said it wasn't them. This happened on a Friday afternoon, XX/XX/2021. 

See attached texts and email XXXX text - from ( XXXX ) XXXX XXXX text - You added XXXX XXXX XXXX text - Chase Fraud XXXX text - Chase Fraud XXXX email - Chase canceled the payment for XXXX XXXX Chase sent emails XXXX XXXX which is my email also. One email stated that account alerts were activated on my Chase mobile app for XXXX. I do not have an XXXX and never have. This was done minutes after the XXXX scam. Another email was sent after the previous one stating, 'We 've canceled your payment to XXXX XXXX XXXX. 

I went into the Chase bank on XX/XX/2021 located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with two associates about this incident. They informed me to contact the Chase Fraud department. I asked them to cancel the transaction and I was informed that they could not. 

Chase provided a letter stating that 'we discussed and agreed that no action would be taken on this claim '. I did not agree with this resolution. This is the letter that is being sent to several customers disputing XXXX scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not 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 explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to email MRS XXXX XXXX regarding an alleged {$50.00} debt, however their return email was sent back to my email as undeliverable. I also tried calling them 3 times and each time waiting on hold about 7 minutes before being disconnected and hung up on. 
I also contacted the original creditor XXXX XXXX and they verified that I do not have any accounts that are past due and that it may be a spam or potentially fraudulent attempt to collect on a debt that is not actually owed. They state the debt as being an account with XXXX XXXX but I have never had an account with XXXX XXXX. I am not sure who this collection company is or what their attempt is, I just don't want others to fall victim to schemes and scams like this. There's too many terrible people trying to steal other peoples hard earned money we don't need companies like this taking advantage of people that may not know better and end up paying on a debt they don't really owe.

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 2018-02-15
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been trying to work with you and figure out whats going on Ive had no direct communication youve sent no letters or anything like that explaining what youre doing But from what Im gathering from XXXX XXXX in my credit reports there were four accounts open fraudulently they apparently were all opened with the exact same information youll me into the accounts you agreed that it was fraud and that I did not open these accounts and you have close them the other two accounts it looks like you close them but youre saying it wasnt fraud? 

XXXX XXXX Account Number Ending in XXXX XXXX  XXXX XXXX Account Number Ending in XXXX Lowes XXXX Card  Account Number Ending in XXXX XXXX XXXX Account Number Ending in XXXX So youre claiming that the Lowes card belongs to me and the XXXX XXXX card belongs to me but I dont really understand how or why do you think that he said something about receiving payments on the Lowes card but I never made any payments to you do you want to see copies of my bank statement youll see that Ive made no payments to you not just this card but any of the cards listed above in reviewing my credit reports I see multiple fraudulent addresses that do not belong to me nor did they ever belong to me and Im wondering are those the addresses that youre sending everything to? Because Im not getting anything in the mail I cant Im just a little confused if you have the exact same information for all four of the accounts how can you decide the two of them were fraudulent and two of them were not it just makes no sense at all

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 2023-08-15
Company: Marlette Funding, LLC
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing to provide additional information and clarify the circumstances surrounding the credit card dispute related to the XXXX XXXX purchase. I recently received a receipt from your bank stating that it serves as proof of delivery for an order made at XXXX XXXX. However, I would like to bring to your attention the inconsistencies and inaccuracies in this receipt, which cast doubt on its validity. 

Firstly, I want to emphasize that I did not place an online order with XXXX XXXX. The receipt provided by your bank indicates that the order was delivered to my address, which is incorrect. This order was, in fact, an in-store pick-up at an XXXX XXXX located in XXXX , Florida. The receipt should reflect this information accurately in order to prevent any further confusion. 

Upon contacting XXXX XXXX directly, I was informed that the order in question was indeed an in-store pick-up, as I had previously stated. The pick-up person was required to present their driver 's license, and the order was under the name of " XXXX. '' It is essential to note that I am not associated with this name or any online XXXX XXXX account. Therefore, the receipt provided by your bank, indicating my personal information and an incorrect telephone number, is misleading and erroneous. 

In addition, the receipt contains conflicting sections. While one part claims to be a proof of delivery, another section states that the number of delivery packages is zero, and the date of delivery is not available. This inconsistency further highlights the unreliability of the receipt as proof of delivery. 

Considering the above discrepancies, I kindly request that you reevaluate the information provided and reconsider the validity of the receipt as proof of delivery. I would appreciate your assistance in resolving this matter promptly and ensuring that my credit card dispute is resolved fairly and accurately. 

Enclosed with this letter are copies of the receipt in question, as well as any other relevant documents or evidence supporting my claim. I trust that these materials will aid in clarifying the situation and support my position regarding the inaccuracies in the receipt. 

I am XXXX XXXX years old and do not shop at XXXX XXXX as I have no need for anything in that store. 

Thank you for your attention to this matter. I look forward to a swift resolution and a favorable outcome. Please do not hesitate to contact me via email if you require any further information or if there are any additional documents that I can provide to assist in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Problem with personal statement of dispute

Complaint:
I contacted XXXX in, XX/XX/XXXX to resolve, 5 credit reporting disputes. There were two collections companies that generated these complaints three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had been reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. 

I had contacted the companies to verify findings for payments known to be true. After two episodes of research XXXX agreed that the billing was in error and in, XX/XX/XXXX these disputed narratives were successfully removed from my credit report. 

In XXXX, XXXX I filed identical disputes relative to identical companies once again challenging the legality of credit reporting with, EQUIFAX. This collections company felt that there were no grounds to release these identical disputes from my credit report. By XX/XX/XXXX I had challenged the findings on three occasions only to be told that our decision is final and they have zero need to do follow-up with XXXX. 

As with so many households in the United States this, 24 plus month raging global pandemic phenomenon has hit my family especially hard. I have attempted to continue to pay my bills on time and keep my ratio of debt to expenditures to a minimum often times electing to go without necessities vs a surprise bill that could easily decimate my meager savings! Therefore It is essential that these unfounded burdensome narratives be removed from my credit summaries. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Newrez LLC simply can not process my mortgage correctly. Per their automatic payment system, I can send in more money than required to satisfy the mortgage and the balance of the overpayment will go to principal. 
My current monthly payment is {$1400.00}. I am sending in biweekly payments of {$1900.00} with the express intent that the interest and escrow be paid with the balance going towards the principal. 
In the month of XXXX there were three withdrawals made totaling {$5700.00}. The interest was {$110.00} and the escrow was {$560.00} leaving {$5000.00} to be paid towards the principal. The last payment of {$1900.00} was left in a " Unapplied Payment '' status so I started a chat session with a customer service rep that said she was going to apply it towards the account. A few days later I checked my account payment history and there are a series of bizarre and bewildering transactions that make little sense to me, and it ends up with the principal balance being incorrect. The balance of the mortgage at the beginning of the month was {$53000.00} so after paying {$5000.00} towards the principal, the current principal balance should be {$47000.00}, but they have it at {$48000.00}. 
They claim that they have up to 30 days to respond to inquiries which is completely unacceptable to me when I'm discussing something as important as my mortgage and would like to find a better solution to pay off my mortgage ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Credit Karma, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was locked 2 weeks ago. I stared calling credit karma and asking to speak to someone. They said check my email. I did and they wanted a photo of my ID on XX/XX/XXXX I sent it to them via email. I have since emailed 5 times called probably 30 times asked for supervisors and still get no timeliness no idea when it'll be cleared up I've used the chat button on the app. Same thing no one I can talk to. I told them I needed to pay my rent and car payment but can't if I don't have my account.

Company response to consumer: Closed with explanation