BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my ongoing concern about the disputed debt referenced in CFPB Case # : XXXX ( Upload response letter from Dept Collector on the original case I was not able to respond back to ). Despite my repeated requests, I feel that the debt validation provided by Resurgent Capital Services on behalf of LVNV Funding LLC has been insufficient and not in alignment with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

While I acknowledge the documents they have provided so far, I must reiterate that these alone do not adequately validate the debt in question. XXXX credit statements, Resurgent letters, and an account summary from Resurgent Capital Services, without the original credit agreement bearing my signature or detailed account statements from XXXX XXXX, do not provide the necessary evidence to confirm this debt as mine. 

In addition, the Transfer and Assignment document, though it points to a transaction between Resurgent Acquisitions LLC and LVNV Funding LLC, lacks specific information about my individual account. Without the attached Exhibit A or evidence showing a clear chain of assignment from XXXX XXXX to LVNV Funding LLC, it is not possible to affirmatively link this debt to me. 

It is not my intent to avoid a legitimate debt ; however, I must insist on exercising my rights to ensure that this debt is indeed mine before taking any further steps. Therefore, I am again asking LVNV Funding LLC and Resurgent Capital Services to provide a thorough validation of this debt, specifically : 1. The original credit agreement from XXXX XXXX that bears my signature. 
2. Detailed account statements from XXXX XXXX showing the progression of the debt. 
3. A copy of Exhibit A, which lists my specific account as part of the transferred assets. 
4. Proof of each assignment of this debt from the original creditor to the current debt holder. 

I firmly believe it is inappropriate for this disputed debt to continue being reported to credit bureaus before it is fully validated. I kindly request that this process be expedited to resolve this issue. 

Thank you for your immediate attention to this matter. I await your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: IN
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 XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, in a phone call to Simple Bank customer service, I reported that my checkbook had come up missing. I asked the CSR to please make a note in my account about this and not to honor any checks without my consent. Was told by the CSR not to worry, that Simple would freeze any checks that might possibly come through as they would be forgeries. I questioned the CSR about it again and he assured me that I had nothing to worry about. 
On XX/XX/2019 Simple processed check number XXXX and deducted {$89.00} from my account even though I had told them 3 weeks prior that these checks were stolen. In numerous calls to Simple over the next two days, I was told different things by everyone i spoke with, but all reps stated that Simple had messed up and somehow this " slipped through the cracks ''. They stated that they would rush putting the money back in my account as I had told them prior to and this was a mistake by Simple. Make no mistake, Simple had taken responsibility for this deduction from the start. 
However, things went from bad to worse quickly. Because the account number had been compromised, they froze my debit card, effectively sealing me off from my funds. The XXXX, a representative unfroze my card so I could withdraw {$300.00} in cash from the ATM, and then refroze it, stating I could call back the following day and she would do the same so I could withdraw more cash to pay my rent. The following day ( XX/XX/XXXX ), in over 15 calls and 7 hours phone time, I was never given access to my debit card as promised, and was lied to countless times by different CSR 's. Told it was unfrozen and to go immediately to XXXX to get access to my money. Another one, it's unlocked, go to XXXX and use the ATM. It's in a maintenance state, but will work in 2 hours ... Card is frozen and we can't do anything about it but we can XXXX you a check arriving the next morning ( hours later, oh, it's too late for that now, sorry ). And then closed my account because of my total frustration with all the lies and misdirection. 
However, Simple STILL has not refunded the {$89.00} they deducted for check XXXX that they knew was forged and had been notified 3 weeks prior. As of today ( XX/XX/2019 ) I still have not received these funds that they admitted were mistakenly deducted from my account. They asked me to submit an affidavit but never have provided the information about this check to complete said affidavit, along with asking me to spend {$25.00} to have it notarized ... After taking my funds by mistake. Numerous calls and messages to simple has resolved nothing and I want my money back they erroneously took

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX Bank XXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a XXXX consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by XXXX. The XXXX XXXX collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX Bank XXXX XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting 72 late payments on this closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
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 an XXXX Credit Card, it used to be issued by XXXX XXXX, but was switched over to XXXX  XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX XXXX XXXX  XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX  XXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a XXXX written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX  XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX  XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
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 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 ) 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: First Data Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
While working for XXXX, I received a Debit Exceed card in which my payroll was put on to. I am no longer employed for XXXX. I was able to use my card until the end of XX/XX/XXXX. As soon as I noticed I was not able to retrieve my funds on the card, I contacted the company. XX/XX/19 called and was told my card was on hold and that I would need to submit a copy of my card, drivers license and a piece of mail with my address. I called back XX/XX/19 and was told it would be another 3-5 business days until I was able to access my funds. I tried several times to use my card to no success. On XX/XX/19 I called again and was again told my card was on hold. I then asked what was needed to do so that I was able to close the account and get my funds on my card. I was then told I needed to submit a copy of my drivers license again, a statement and a letter regarding why I wanted to close the account and my signature. I then called again 3-5 business days later several times only to be told my account was still on hold. Each month they have been deducting fees from my account and still unable to use my card or get my money. I was a XXXX XXXX XXXX   and unable to contact them between XXXX   and XXXX XXXX. I was finally able to contact them again XX/XX/19 in which I again submitted now 3 forms of identification. XX/XX/19 was the last time I contacted them and the account was still on hold, but could not do anything because it was not during the 8-5 monday-friday business hours. But indicated they would now want me to submit my social security card. I refuse to submit anymore items as this sounds like fraud to me. I received a W2 in which I filed taxes on money I still am not able to access. As of today XX/XX/19 the account is still on hold. All I want to do is get my money and close the account before they consume it in fees and begin to ruin my credit.

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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Bank of America ( BoA ) stating they were working on " my application for the Allegient World MasterCard card '' and needed to verify information on my application. I had not applied for this card and immediately contacted BoA 's Credit Fraud Department to report the fraudulent activity and stop the application process. This company had run a hard inquiry against my credit report and I was told that it would be removed when BoA fraud investigation was complete. As of XXXX XX/XX/XXXX, I had not received any report, and the hard inquiry still reflected on my credit report, so I called to request an update. I was told the fraud was confirmed by BoA, but that I had to contact the credit bureau ( XXXX ) to dispute. I called XXXX Credit Bureau and was told they had nothing from BoA. As of today, XXXX XX/XX/XXXX, the hard inquiry on my credit report that was generated due to a fraudulent credit card application still exists.

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 2021-12-30
Company: National Credit Adjusters, LLC
State: NV
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:
In XXXX I had a loan through XXXX XXXX. Due to the high interest amount I was not able to pay off the debt completely. NCA recently purchased the debt and reported the debt as opened in XXXX. I have contact NCA and XXXX XXXX. NCA was not able to assist. I have disputed multiple times and had the account removed completely. NCA places the balance back on my account with the wrong opened date. This caused me to be denied for a recent loan because the open date was too soon. They refused to update the information to the correct opened date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Incorrect XXXX XXXX XXXX Inquiry posted to my account on XX/XX/2017. It should be removed from my 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 explanation
Consumer complaint received 2023-10-10
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For over a year ARS has wasted my time and money as well as negatively impacted my credit on purpose on debt that I have NOT claimed. They have yet to validate the debts within the allotted 30 days and even upon receiving it was NOT a validation ; instead it was a typed " verification ''. The second validation request was ignored completely. This " verification '' also has my name incorrectly on 3 of the 5 alleged debts. I am XXXX XXXX XXXX XXXX. Maybe it is my fathers debt? Maybe some random stranger. Without validation I have no way of knowing. I have been given the wrong account balance multiple times due to, amongst other things, " XXXX '' and " clicking the wrong box ''. Their automated system actually says that I owe the {$0.00} for all accounts. They have also already lost a dispute from the credit bureaus for Taking a payment for a single account ( heavily documented ) and purposely spreading the payment across multiple accounts unfairly and HIGHLY against FDCPA. Due to their shady practices with the singular payment, they impacted my credit report by hitting it with five accounts for no reason. After " fixing '' it, it caused the accounts to be removed from credit report and re-added ; FURTHER damaging my credit report for no reason. I have been hung up on over 13 times in the last month alone for mentioning their FDCPA violations. I have been transferred to a " supervisor '' line 17 times, left 17 messages, and received ZERO response. I have been told by representatives that they were going to direct message the " supervisors '' and that they will get a hold of me as soon as possible. ZERO response. I am a XXXX veteran that has service connected XXXX XXXX problems that require me to record my phone calls. I let everyone that I speak with know that I do this because of mild to moderate short term memory issues. I have been hung up on with the following statement, " what you're saying doesn't allow you to record '', click, hung up on. Twice actually. I am currently in the process of logging complaints and disputes with all credit bureaus, the Oklahoma Attorney Generals Office, CFPB, FTC, and the BBB in multiple locations. I have kept very detailed notes, recordings, screenshots, logs of phone calls, and logs of violations. I have access to all of this and would be more than happy to share if needed.

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 2021-04-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My all americanexpress accounts were closed on XX/XX/2021 by Amex per the business decision, no appeal is allowed and my XXXX XXXX rewards points can not be redeemed. I have been using Amex for almost 10 years, without any bad record, spent a lot every year, really want to get my rewards back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: TX
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had purchased an airplane ticket with XXXX XXXX using my Discover Credit Card to fly from XXXX XXXX, XXXX XXXX to XXXX XXXX, FL on XX/XX/2021. 
On the morning of XX/XX/2021 as I was preparing to go to the airport I received an email from XXXX XXXX telling me that the flight was cancelled. I had to buy another ticket at the last minute from XXXX XXXX and I was delayed a whole day before being able to depart. 
I contacted Discover Card and informed them that XXXX XXXX cancelled the flight and that I needed a refund. The Discover representative said it would be no problem to get the refund since XXXX is the one who initiated the cancellation. I uploaded screenshots of the email from XXXX XXXX showing that they had cancelled. 
Discover Card removed the charge of {$170.00} but yesterday they put it back on and when I call they keep me on hold without coming to the phone.

Company response to consumer: Closed with explanation