BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/2023, XXXX XXXX XXXX sold an alleged delinquent debt to LVNV Funding, who then referred it to Resurgent Capital Services. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/2023, including specific requests for the cardmember agreement and proof of debt reassignment, Resurgent Capital Services failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA. 

Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, LVNV Funding continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by XXXX XXXX XXXX making a new collection attempt in XX/XX/2023. All these attempts were made without providing the necessary validation documentation. 

Repeated Sending of Insufficient Information : Resurgent Capital Services repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA. 

Reporting to Credit Agencies Without Validation : LVNV Fundings continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request the CFPB to investigate this matter and take appropriate action against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified. 

Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses. 

Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, XXXX, Equifax. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, XXXX, Equifax dated [ Date ], and I have identified the following discrepancies : 1. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX, Equifax, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in XXXX XXXX. XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened a checking and savings accounts with Wells Fargo on XX/XX/2023. Funded with {$44000.00} in good funds. 

Wells Fargo has committed two acts of FRAUD : 1- Fraudulently claiming that check in the amount of {$29000.00} was unpaid even though issuing institution confirms otherwise.

2- Fraudulently KITING  received monies by freezing them indefinitely with no resolution process, and multiple fraudulent representations to customer.

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 2023-12-12
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received an email from a XXXX XXXX XXXX, Team Manager with the company in question. The email contained the original loan contract from XXXX, an online loan company. That same day I confirmed with XXXX XXXX that I'd received the email. I decided to pay this debt as I did in fact default and provided my debit card information to XXXX XXXX, assistant to XXXX XXXX. I agreed to make a payment of {$140.00} on XXXX XXXX XXXX XXXX XXXX  will be due on the XXXX of each month starting on XX/XX/XXXX This arrangement was agreeable. 

On XXXX XXXX XXXX XXXX XXXX to confirm that she was in fact an employee with PB Capital Group. I did so because the number she gave me to call contact her came up as XXXX XXXX XXXX XXXX XXXX XXXX I later realized that this was a mistake on my part when I XXXX  the number but by then XXXX XXXX and I had already spoken, and during the call I informed him that I was not sure of which firm I was dealing with, that the number XXXX XXXX had provided me with was showing up as a law firm in GA and not his company in New York state. I told him I was leery since there seemed to be some uncertainty on my part about his company. That said, in addition to his email dated XXXX XXXX XXXX  that I would like a payment schedule in writing that stated clearly how much of each payment would be applied to the balance of the debt, and that no other fees or interest was to be taken from the payments. I also asked as part of this payment schedule that it clearly show the date of when the final payment would be due. XXXX XXXX then told me he isn't required to provide that information to me and that it would be up to me to keep track of my payments. I thought to myself I have nothing in writing from his office that guarantees that when the final payment is made on a specific date predetermined in writing that the debt would be cleared from his accounts. I then informed him that he must be an XXXX if he thinks I'm going to send him money without a predetermined final payment date along with confirmation of how much of each payment would be applied. Once again, I simple wanted this in writing on a company letterhead along with confirmation that his firm owned the debt from XXXX. At this point he went on about my credit was going to be messed up. At this point I informed him to not contact me or my immediate family in any way ; except for written correspondence sent to my physical XXXX XXXX XXXXXXXX he has on file.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: U.S. BANCORP
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone was charging my account in a different state which is the story XXXX told me I didnt even realize I had an open account with them since I had canceled services with them years ago due to the horrible service at my address. 

My card was charged for a few devices ( Phones ) and close to 2 years monthly for services not rendered to me. At first, my credit card company with U.S. Bank was helping me and reversed the charges of over XXXX XXXX  which has caused me much grief and aggravation. 
I have enclosed a police statement and an email from XXXX stating that I was relieved from the charges. I also would like to get compensation for all the additional interest charges acquired. I thought credit card companies were supposed to help their customer with these types of matters. 

I also did not have a XXXX account opened at that time and had another cell phone carrier for my services and had proof of this but XXXX and U.S. Bank didnt care about this if they did they would have refunded me a long time ago instead I have a collection on my credit that I have to dispute as well.

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 2023-12-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/ I checked my credit report and noticed that I had a few hard inquiries on my Equifax credit report that I " Did not '' recognize. Upon further investigation, I never gave my written consent to Equifax to furnish my credit report to the companies listed below. They did not have a permissable purpose .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want Equifax to follow UNITED STATE 'S CONSUMER LAW. I NEVER GAVE MY EXPRESSED WRITTEN CONSENT FOR Equifax TO FURNISH MY CONSUMER CREDIT REPORT TO THE ABOVE-MENTIONED COMPANIES ON ANY DAY. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2023 XXXX XXXX XXXX XXXX ran my credit without my permission. I explained to the dealer that I, XXXX XXXX would not be a personal XXXX  for a vehicle as my company XXXX XXXX XXXX would be. Please take time to investigate this matter and remove any inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 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 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 2023-12-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.

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 2023-12-13
Company: EQUIFAX, INC.
State: IN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} XXXX  LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED US DEPT OF EDXXXX US DEPARTMENT OF EDU Many of XXXX accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.

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 2023-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with Equifax Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and Equifax have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and Equifax for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?

Company response to consumer: Closed with non-monetary relief