BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have never received any documentation from LVNV funding, and now during a pandemic I am getting my wages garnished by them, yet I have never ever ever been served with legal paperwork. I do not even know who LVNV funding is. This is the most awful thing to ever happen to me and it's happening during a pandemic! Please Help me! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I was discharged of all loans 15 loans from XXXX XXXX XXXX XXXX XXXX they were closed and XXXX & Experian keep showing that these accounts are still open I would like for them to show closed & never late on my account and show no more negative account from this institution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 an 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is playing games with my report. 

I have wrong information as address showing incorrect phone numbers. 

My credit score has drop for some reason and I have not being late or purchase anything. 

Stop acting like you don't no my address or my real name. 

You update my car payment and credit cards and mortgage each month so why must we play these games.

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 2023-08-19
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:
COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported one balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to XXXX. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA 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 states that a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I switched my cell phone XXXX from XXXX XXXX to another provider. My decision to leave XXXX was influenced by encountering my fourth billing issue within a relatively short XXXX period. 

On XX/XX/XXXX, XXXX incorrectly billed me for XXXX lines despite XXXX of the devices not being delivered ( the XXXX could not find my condo unit, the line was not yet activated ). Upon contacting customer service, the representative not only pressured me to pay the erroneous charges but also mocked my name and insulted my social standing ( called me a lower class person ). Consequently, I filed a complaint against XXXX with the Federal Trade Commission. 

In XX/XX/XXXX, I eventually obtained the trade-in credit that was pending for XXXX months due to an oversight by XXXX. It necessitated a visit to your store to inquire about the traded-in phone that I had mailed Additionally, a 15 % corporate discount was promoted by XXXX in XXXX with my employer. However, after being transferred among numerous departments for several months, I was informed in XX/XX/XXXX that my plan would not be eligible for the discount. 

On XX/XX/XXXX, I received a bill inside a XXXX envelope from your office, indicating device payments of XX/XX/XXXX and XX/XX/XXXX. The second package showed payments of XX/XX/XXXX and XX/XX/XXXX. Regarding the devices, in XX/XX/XXXX, I had inquired about purchasing them outright as leasing proved more expensive over the XXXX period. However, the representative falsely informed me that this option was exclusive to lease agreements, not purchases. Consequently, I discovered the device prices significantly deviated from those presented in-store. 

XXXX also sold this account 's collections rights to XXXX XXXX and Afni Inc before the final bill 's issuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I deposited my IRS stimulus check in my Capital One 360 account on XX/XX/XXXX. Capital One the next day restricted my account for withdraws. When I called the number provided I was told my account was closed due to fraud, they had no evidence of this. The account is still open and restricted, they claim they are waiting for the IRS to reverse the check ( which they admit cleared and wasn't fraudulent ). I want the money that cleared their bank sent to me in a cashier 's check if the account is indeed closed and the check cleared. This has gone on long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPLAINT IS AGAINST Specialized Loan Services, LLC and XXXX  XXXX XXXX. 

On XX/XX/2019 XXXX XXXX XXXX, XXXX sent a notice that they had assigned, sold or transferred our Home equity loan to XXXX XXXX XXXX. Specialized Loan Servicing, LLC Specialized Loan Service handles the billing. 
ISSUE : We have had many conversations with customer service and XXXX to no avail. We have not had any billing from them to this date even though a review board approved sending us statements. They had us sign a request for statements on XXXX XXXX ( Electronically ) per XXXX in their Home Equity Department. XXXX XXXX XXXX XXXX XXXX-XXXX ( MT ) See reference # XXXX The first payment they asked for was not correct and they considered it a partial payment {$800.00} then asked for an additional {$87.00}. Our online account still does not reflect our XXXX payment {$880.00} even though they put through our check. Now they are asking for {$790.00} ( approximate ) figure no billing. I need them to send monthly bills and I will send a payment. Customer Service personal do not give the same answers to our questions. 
I will not be sending payments to a company who can not get the distribution of payment correct or answer correctly our questions about our payment history I want a monthly statement prior to sending my payments,

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 2020-09-05
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX**** XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}, anXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2013 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax on multiple ocassions about the inaccurate reporting on my credit file. There XXXX inquiries associated with an identity theft of my personal information. The accounts that was associated with these inquiries were removed and I was told to file a report with the FTC and forwarded a copy of the report to Equifax. 
I did on XXXX occassions! They stated they did not receive a fax that I sent using a number they forwarded to me. I then sent a letter by mail that they stated they did not receive and finally I sent a registered letter which they confessed they received and was working on the dispute. 
This letter included a copy of the FTC report and a letter a orginally sent to them. I was told they had all the paperwork and I received a letter from Equifax stating they had deleted the inquires. That was not true and they still remain after 11 months! 

These are the XXXX inquiries : XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed.

Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
XXXX XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) Experian XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Bank, the entity that holds the United Airlines mileage card, closed my account without cause. Upon inquiring, the reason given was that I had not used the card in 5 months ( end of XXXX - middle of XXXX, 2023 ). 

I have several thousands of dollars in United Airlines travel and this act is directly impacting my ability to earn miles. I learned of this farce as I went on to the United Airlines app to pay with my United Credit Card to upgrade my seats for the first trip, coming up on XX/XX/XXXX. 

I have been a card member for 11 years, I always pay my bill, I have auto payments set up so that there is never a missed payment and generally do not carry a balance or incur interest fees. That is the real reason they cancelled the card, they aren't making enough money on my use. 

Upon further discussion, as I explained my need to make a charge, I was told to " re-apply '' for a new card as the company would not reinstate the old one ( that had been cancelled for less than a month at that point. ) So, as a consumer with excellent credit, a history of paying my bills before they incur interest, a long standing customer .... I need to reapply for credit, thereby impacting my good credit score, so that banks like Chase can charge more interest? I am appalled by this lack of integrity and outright scamming that is happening by Chase Bank. FIX IT. 

XXXX XXXX Last 4 of card number : XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: TX
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:
heY so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 an 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 explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-01
Company: FISERV INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/22 my debit card was used to pay for a utility bill in the amount {$9600.00}. This was a fraudulent charge. I did not have any outstanding utility bills. The reason why I did not see this and I reported it to the bank so late- a year later- was because I had {$150000.00} in my bank account so it was an oversight on my end. When my accountant did my bookkeeping this year for my taxes, he noticed the unusual charge-That is when I noticed this was an unauthorized transaction. Unfortunately, the bank is unable to credit me because its been over 35 days. I also attempted to call the merchants where the bill was paid, and the merchant was unable to give me any information without an account number. I do not have an account number because this is a fraud. Any help would be appreciated so that I can recoup this money.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has a debt owe I dont own and I dont have a contract with them they sold my information without my knowledge I didnt give them any permission to use or sell my information to any company I would like for it to be removed asap from all my credit reported companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 an 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