BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-01
Company: EQUIFAX, INC.
State: FL
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, the following creditors have violated my rights : XXXX XXXX XXXX XXXX  : XXXX Dept of Education : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Inquiries : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to XXXX XXXX XXXX XXXX  on ( XX/XX/XXXX ). 
I have not given LVNV FUNDING LLC or XXXX XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; LVNV FUNDING LLC has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character.

Under the New Rule REGULATION F which took effect on November 30, 2021, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule LVNV FUNDING LLC must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance.

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt.

I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency. 
I am very certain that LVNV FUNDING LLC or XXXX XXXX XXXX  can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for XXXX XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX   Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Furniture, Etc. 
( XXXX ) XXXX JXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-09-11
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello there, I XXXX XXXX am filing a complaint against a debt collector. I have attached supporting documents. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owed XXXX XXXX XXXX {$6000.00}. I then called, got the runaround was treated rudely and hung up on I disputed the charge and was told that I still owe the debt however, I could send in any documentation supporting my dispute. I also went in to the apartment complex to let them know that I have been formally signed off of this lease since XX/XX/XXXX, for two years they said they had no records they were recently under new management they weren't sure who I could contact at that point. I sent my lease modification to XXXX XXXX XXXX  showing that I was taken off of the lease on XX/XX/XXXX, along with a demand to see proof of the debt ( Copy of letter is attached ). 
I now have some health issues and need a loan to take care of XXXX I was denied. I checked my credit and the debt is still there. I called XXXX XXXX XXXX on XX/XX/XXXX they stated they transferred my debt to another credit company Brett Borland law. 
I then called Brett and Borand Law on XX/XX/XXXX. I explained to them my issues, they were very rude as well. 
I ask if they could point me in the direction of who to call or what management companies name filed this complaint, he told me call XXXX XXXX, I had try to explain they sold the company to someone new and is under new management and if they could please help with some point of contact he said to call XXXX properties. I did call XXXX they said they had purchased the apartments in XXXX, so they do not have any documentation and do not hold the debt. 
Brett and Borland then said I could send in documents that support my claim however, that I still owe the debt, because XXXX XXXX has not released me. I asked for documentation of the debt as well he said they had it however did not offer to send it to me. 
I'm contacting you and also, filing a dispute with the credit bureau, in hopes to get this resolved. In advance, I appreciate your time and taking my complaint on. I felt very lost and felt as if they were going to get away with filing a debt with me that wasn't mine and ruining my credit. I appreciate your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed and requested validation with Calavry Portfolio Services LLC. I requested that they show proof that they are licensed to collect in my state ( Tennessee ), detailed billing history for the account, amount owed and how it was calculated, and the agreement because I am not aware of who they are. The first letter they sent stated i owed them or a debt had been sold to them. After i asked for validation they sent me nothing stating that they are able to collect in my state and a balance of XXXX with clumps of what seems to be nothing but paper and saying that it is valid. There was over XXXX pages that are either blank or has homedepot advertisements and nothing else on it. One page stating regulations for California, Colorado, Massachusetts, Minnesota, New York, Utah, and North Carolina. but nothing about if are you licensed to collect in Tennessee. I sent them another certified debt verification letter on XX/XX/XXXX to make sure i had proof that i had tried to communicate with them. I did get a response on XX/XX/XXXX for my first request and it had nothing i asked for. I will be waiting to see what the response is for the certified letter I sent them on XX/XX/XXXX Company Name : Cavalry Portfolio Services Address : XXXX XXXX XXXX XXXX, CT XXXX First letter they bought or sold things. I think it was XX/XX/XXXX. I sent a letter back asking them for validation. 

Date I received my first response was XX/XX/XXXX they said i owed XXXX. How did they come to that amount? how was that calculated? 

Sent over XXXX pages of fluff. - blank pages - homedepot advertisement - internet printed credit card agreements ( it looks like someone just printed a random agreement off the internet ) - and more blank pages I sent another debt verification to them on XX/XX/XXXX certified mail because i had no proof i sent them anything and did not want this to escalate. I am currently waiting on my response. Certified letter should reach them XX/XX/XXXX. I hope that they send me actual documents and not over XXXX pages of fluff. I would prefer this ends here and they remove it off my credit, not sale/buy anything that i did not give them permission in the first place to anyone else. I would prefer a letter in writing that this is done as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I inherited three home equity loans from my father, XXXX XXXX XXXX, when he died on XX/XX/XXXX. I am amicably setting loans with two banks, XXXX XXXX XXXX and XXXX XXXX. But I have repeatedly hit a wall with Fay Servicing, which holds a home equity loan on my parents ' house at XXXX XXXX XXXX, XXXX, XXXX XXXX, loan number XXXX. Fay did grant me several loan forbearances, the last of which expired in XX/XX/XXXX. I have been in touch with Fay regularly since my father died, apprising them of my efforts to meet the loan obligation. I was being treated for XXXX XXXX XXXX in XXXX during the period my father got sick and died and for some time thereafter. Because the treatment made me very ill, I had to stop XXXX  at XXXX XXXX  The XXXX  kept me on to XXXX XXXX XXXX but my income declined to about {$1000.00} monthly, so there was no way I could make monthly payments to Fay. I informed Fay of my original plan to sell my house in XXXX, Ma. in the spring of XXXX and pay off the loan in its entirety around the time the COVID forbearance expired. I subsequently became ill with XXXX XXXX, for which I was treated during a three-month stay at XXXX XXXXXXXX XXXX. Subseqent to that, I came to my parents ' house in XXXX, XXXX, intending to prepare it for sale, at which point I intended to pay off the Fay Loan. I wound up in the hospital in XXXX XXXXXXXX, XXXX for my XXXX again, and a XXXX  was installed. I was in regular contact with Fay during this period, explaining the situation and requesting patience. I am now at my parents ' house, readying it for sale. But Fay has informed me that the home equity loan is now in excess of {$430000.00}. I found a Fay bill in my father 's papers from XXXX XXXX, XXXX showing the total amount of the loan outstanding then was {$330000.00}. The principal must have been even lower when he died, as he made regularly monthly payments between XXXX and XX/XX/XXXX. I called Fay dozens of times this spring to try to negotiate on the amount due and request a payoff document, but got nowhere. I finally wrote the lawyer for Fay and subsequently received a phone call from a vice president, XXXX XXXX, who said Fay would send a payoff document but would not budge on the amount due nor explain why the amount due has risen by about {$100000.00} since XXXX. I believe I acted in good faith with Fay over the past two years while dealing with extraordinary circumstances - my illnesses, my father 's death and the death of my mother on XXXX XXXX. I feel Fay should also act in good faith, taking into account my efforts to maintain communication and my good intentions regarding settling the loan. For the first time since my father 's death, I am no longer dealing with XXXX for a XXXX  XXXX and am preparing to be able to pay off the Fay Loan entirely. I believe Fay should adjust the loan to the $ XXXX-plus figure. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My issue is with Paypal. Debit cards I use with small business transactions are automatically added to my profile on paypal without my authorization. Then scammers hack into my profile and use my debit and credit cards for purchases I did not approve. This happened a few years ago with a XXXX  XXXX XXXX account of mine I had to close due to the extreme amount of fraud coming from Paypal. I disputed it with paypal several times and they ultimately said the transactions were valid and my money was stolen. i reach out to Paypal to cancel my account and make sure all of my personal and financial information was no longer activated. As of today, XX/XX/22 I received email notification of 3 separate charges to separate people on paypal, none of which I approved or authorize. I was traveling and did not use my card at all during this time. Paypal does not allow you to speak with an agent, they only allow you an automated call or chat and my issues are occurring again. They will not let me remove payment methods or close my account. They should be shut down for the amount of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Called XX/XX/XXXX ( XXXX XXXX XXXX ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided four names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with XXXX XXXX XXXX, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XX/XX/XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe XXXX XXXX XXXX to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: JPMORGAN CHASE & CO.
State: KY
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:
My credit report ( XXXX  ) shows hard inquiries on me made by Chase Bank every couple months for the past two years. I have never applied for credit with Chase. I have tried contacting Chase directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I went to XXXX after speaking to loss and prevention on the phone to confirm that I was able to open an account with XXXX since back in XXXX I did have an account close due to fraud. The gentleman that I spoke to stated that the accounts were closed and no account was active so I could walk into any Chase Bank branch and open a new account. I went to the local branch in XXXX XXXX XXXX, NV on the corner of XXXX and XXXX XXXX. spoke with XXXX XXXX who opened a new checking account for me. I placed over XXXX in the account over the weekend and on sunday XX/XX/XXXX I went to check my account balance from the weekend to find out I was locked out of online access. I called the number on the screen only to be informed that XXXX had decided to end our banking relationship without reason and I would not get MY money until they seemed fit. I again called on XX/XX/XXXX to the same department and was told it was possible for the branch to release the funds if they had the staff but after some department reviewed the account was told this was not possible. Now XXXX has over XXXX of my money, I am left without any funds to feed my children, get food, gas, or emergancy funds if something were to happen since I moved all my money to this bank and they on no reason decided it was no longer MY hard earned money and it was theirs to do at will with and play with peoples lives. The only thing I did was wire money as I was told by the banker was the quickest was over multiple times and for that I feel I am being wrongfully punished by this bank, my children are being neglectied their right for food and a way to get to school since I can not provide gas in my vehicle as of now .. This has to be stopped. These people are wrong to be messing with peoples lives.

Company response to consumer: Closed with explanation