BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an email from " XXXX '' I clicked on the email thinking it was from a coworker named XXXX. This email was misleading and did not state who it was from until I opened it. It was a collection agency Resurgent Capital Services disguising themselves as a friend on my email. I called them, they stated I owed a debt to XXXX XXXX XXXX XXXX XXXX  from XXXX or XXXX. I explained that I was incarcerated at that time. They asked if I was disputing the debt I stated no the debt isn't mine. Today I received a letter from them stating the original collection agency LVNV could not sue me due to the length of time and the law limits and they were taking over the debt. I have no idea who this bank is or what the debt is for. I have settled old debts with Resurgent last year and don't have a problem taking care of my old debts but something from 20 years ago while I was incarcerated that is not mine I'm not paying for it. I have taken care of my past wreckage and I have changed my life.The letter states LVNV is the current owner of the account but the body of the letter states Resurgent is servicing it? If LVNV cant collect how can they still own the debt? They need to find out who made the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two accounts with this company on my credit report. One is for XXXX and the other is for XXXX XXXX XXXX. They are refusing to provide validation of debt ( last bill provided by original creditor ), I JUST NEED VALIDATION OF DEBT FOR BOTH ACCOUNTS PLEASE. Please do not contact me, only via CFPB or mail

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have NEVER given this company my information and don't have an account with them they have stolen my information. I have never given Transunion ANY information to furnish on a credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Problem getting your free annual credit report

Complaint:
I have tried to access my credit report from Transunion for the last two months without success. Annual credit report gives me XXXX and XXXX with no problems but always sends me a reason they can not give me Transunion. The same issue happens on Transunion 's website, they give me a number to " consumer relations team '' which connected me to the dispute department, then they said they would transfer me to online website help, the phone went silent and I waited 20 min before giving up that someone was coming. Called again and the next representative gave me a different number to call to reach online support. When I called that number it sent me to the same automated system to be on hold for another 30 min before reaching yet again another representative that could not help me retrieve MY OWN credit report. It is not only extremely frustrating but a violation of my rights that they are withholding me the consumer from seeing my own credit report, and THEN making it extremely difficult, dare I say impossible to try and get a solution to THEIR problem.

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 2021-07-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been looking over my credit report and there were a number of addresses that I would like to remove from my report. 

I request removal due to inaccuracy, to prevent Identity theft, as I am not reachable at the addresses or the phone numbers.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: VA
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:
Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my XXXX report to be closed.

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 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery llc continues to fail to validate this account. Ive asked numerous times to show me a contract with my signature and they fail to do so. The bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I issued three separate checks to a contractor for services he promised to provide to at my property. Upon my demand for his proof of identity and state contractor 's license information, the contractor promised to provide me with that evidence at a later day. That was a scam, the contractor who impersonated himself misrepresenting his license status never showed up the following date of XX/XX/2021 and disappeared. I had contacted the XXXX and my bank, asking to place a stop payment on all three checks. The proof of call is in their system and I have that evidence as well. The bank groslly neglected my request for stop payments on all three checks and paid to the unlicensed contractor for the services that was never rendered. I demanded from our branch manager to backtrack their call logs, which she did and confirmed my calls made to Chase call center ( in addition to my emails to the headquarters attention ) for the purpose of immediately placing stop payments on specific checks. I asked from the branch manager to assist me in filing a claim, the answer was negative. The Chase Bank committed predatory lending and breached the contract. I hereby demand from Chase Bank to act in accordance with consumer banking laws and regulations and finally proceed with my demand for a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2019-11-22
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX  XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is dispute is for a bank of America credit card, in XXXX. My social security number and personal information was used to start an online business i did not approve of. In order to start this online business, they used that Bank of America card. 

When i saw these balances on my account BOA checking account at the time. I was trying to find out where they were coming from. Once i found out my it was someone else using my information I had to quickly close my account. I tried to find the person to pay back the debit but was never able to get ahold of him again. 

During that time, I had other credit cards opened in my name that I since got deleted. I was able to pay off the XXXX XXXX card because that was the only card I applied for and used personally. If you need more information I am willing to provide it.

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 2023-06-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am in a discrimination dispute with XXXX over my payments, returned payments and the lack of effective communication resulting in a confusing situation for me. I contacted this company after receiving correspondence from them about my dispute with XXXX. Since the issue with XXXX was involving mis-communication and my XXXX, I requested that CCS accommodate XXXX XXXX. Each time I made the request I got hung up on. I finally spoke with a supervisor at around XXXX who began making fun of my XXXX XXXX XXXXXXXX and stating he could see why XXXX discriminated against me. I lost all emotional control at the insult. The company refuses to accommodate my XXXX and refuses an interactive good faith process to accommodate my XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2023-06-13
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Revolut Technologies Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had inadvertently created a stop payment for a credit card payment, but no one at customer service is unable to cancel the stop payment. Due to this my credit card payment was late. I have submitted this three times. ( XXXX, XXXX, and 3/10 ). I had to transfer funds to another bank as a work around. This is unacceptable. 

Note the customer service chat I am unable to forward since it is within the banking application, but XXXX maintains the chat history. 

Background : Revolut is a fintech company providing digital banking services where the underlying bank is XXXX XXXX XXXX. They refer to an 3rd party initiated ACH payment as a " direct debit ''. I have on 4 occasions now mentioned that the payment was returned due to a Stop Payment that credit card company indicated even when sufficient funds were available. As a test on the same day, I initiated a {$1.00} dollar ( test ) and {$500.00} ( the payment that is being stopped ) and the {$1.00} dollar payment posted, but the {$500.00} dollar payment did not post.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 2020-02-03
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The card should show paid in full. XXXX balance. Showing fraudulent balance of XXXX. I have contacted them multiple times. First two times at XXXX billing office. XXXX XXXX XXXX XXXXXXXX XXXX, Texas. Today, XX/XX/2021. Contacted XXXX XXXX /wells fargo bank N.A XXXX XXXXProblems started after ordering cream from LA and GA XXXX stores.They didn't have the cream at XXXX XXXX XXXX.I 've had a XXXX credit card for many years. I always pay my balance in full every month by writing a check. I'm begining to think they are trying to take advantage of me. Because they know I'm XXXX years old. I just want them to stop harassing me. I have tried to truthfully explain everything to them. My husband said what they are doing to me is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief