BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have unauthorized and inaccurate items on my credit report. LVNV FUNDING LLC is legally furnishing my credit report. I sent a verification notice. I received no response. But, XXXX stated the collection Item is verified accurate by creditor. I sent Notice to request proof of the exact amount of debt purchased between LVNV Funding LLC and XXXX XXXXXXXX to LVNV funding DIRECTLY. I did not receive an response. A week later, The items were deleted by XXXX and XXXX. Creditor failed to provide proof of original debt contract between XXXX XXXXXXXX And LVNV FUNDING LLC. Therefore, reporting inaccurate and unverifiable information committing tax fraud and identity theft. I have copies of each Notice Ive sent to LVNV Funding LLC. I also have the copies of the notices Ive sent to The credit Consumer Agencies in general. I have yet to receive a copy of original debt contract or proof of a contract between myself and XXXX XXXX. 15 usc 1681b states facts on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NJ
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
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: 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 the attached documents and letter for the 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXXXXXX XXXX XXXX XXXX  {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal 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 2022-05-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 non-monetary relief
Consumer complaint received 2019-10-10
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
InXX/XX/XXXX my loans were transferred to Fed Loan Servicing ( PHEAA ),  as I am working towards public service loan forgiveness. It took nearly a year for them to process and verify my payments, which only was completed after I filed a complaint with the CFPB. I received a letter in XX/XX/XXXX with the list of payments made. There were six payments that I disputed. For five different payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I was within a qualified employment window and had bank statements showing a withdrawl, yet they weren't counted. For another payment, it was pulled from my bank account XX/XX/XXXX, posted to my bank account XX/XX/XXXX, which was a Saturday. I had my last day at one qualified employer on XX/XX/XXXX and started a new qualified employment XX/XX/XXXX. Fed Loan claimed I was 'unemployed ' during that payment, even though it was pulled from my account on XX/XX/XXXX, while I was in a qualifying employment. 

I submitted a letter disputing these six payments that were not counted towards my loan forgiveness despite being in qualified employment and proving the plans were made. This letter, along with supporting documentation, was sent via certified mail XX/XX/XXXX. I verified a few weeks later that it was received and was informed by customer service at Fed Loan Servicing that it would take up to a year or beyond to be reviewed. 

I sent a second letter via certified mail XX/XX/XXXX requesting an update on the dispute letter and readjustment to my number of payments made. I was informed this was not available to be reviewed and there was no supervisor or any other staff member I could talk to. 

Additionally, during this time I started school. I was put into a school based deferment in XX/XX/XXXX. I called immediately and completed paperwork XX/XX/XXXX to waive deferment. I was told at that time that if I wanted to continue to count payments towards PSLF that I should keep making payments as scheduled and they would be retroactively applied. I made payments XX/XX/XXXX and XX/XX/XXXX for the full amount of what was due. When I spoke with Fed Loan in XX/XX/XXXX I was informed they had not gone back and applied those two payments that I made on deferral to my qualifying payments. 

Now, instead of being eligible for loan forgiveness in XX/XX/XXXX, they are stating I will not be eligible until XX/XX/XXXX. I would like the payments I made while in qualifying employment to be applied appropriately. 

I am attaching the original dispute letter from XX/XX/XXXX, along with the payment documentation. I'm also enclosing the other complaint letter from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received on XX/XX/2023 a debt collection letter from American Coradius International for a XXXX XXXX account which I have never opened. 

The initial 'debt ' was for {$66.00}, with American Coradius adding additional 'fees ' of {$230.00} for a total for {$290.00}. 

My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over 2+ years. I have never opened a XXXX  account, and after speaking with XXXX they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification. 

XXXX informed me that the account was tied to a XXXX address which is not mine. 

XXXX is enabling Fraud, and does not care how it impacts consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This issue is with Paypal Credit ( SYNCB/PPC ). I had handed this and other accounts over to XXXX XXXX XXXX to handle all payments. Once included in the plan, all accounts were closed, only payments on these accounts were allowed. 

After a few months I was denied access to the online portal and could not monitor the balance. However, I was informed on a monthly basis by XXXX XXXX XXXX of the diminishing balance. It was all good. 

The real issue is with the final payment on THIS account. The final payment made was {$10.00}?? instead of {$15.00}?? which was the account balance, a difference of {$5.00}.??. 

As I said before, I had no access to the account and therefore had no idea that {$5.00}?? was owing. I was NOT informed about this. As a result, the account became delinquent ( for {$5.00}?? ) and was reported. My credit score went down XXXX points and the negativity drags on.

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 2022-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I would like to re-file a formal complaint against Bank of America for engaging in deceptive lending practices more specifically targeting minorities and over charging interest and intentionally lowering their credit scores. 

I withdrew the complaint based on BOA commitment to investigate. BOA said if I withdraw said complaint they would not investigate unless the complaint is standing with CFPB. Therefore I am refiling said complaint. 

Bank of America ( BOA ) offered a balance transfer at very low interest rate with a {$15.00}, XXXX, line of credit. 

Shortly afterwards BOA lowered the credit limit without any notification and/or explanation repeated this process until line of credit was lowered to {$5000.00}, intentionally lowering minorities debt to credit ratio after enticing consumers with a balance transfer. 

According to BOA the following are the interest breakdown amounts on the remain balance of only {$2600.00}, as of XX/XX/2022. Intertest Charged on XXXX XXXX XXXX XXXX  = {$2500.00} Interest Charged on Purchases = {$2500.00} Interest Charged on Balance Transfer = {$2500.00}. 

The cash advance and balance transfer were both done years ago according to BOA breakdown Theyre accruing interest on a balance of {$7700.00}, see attachment. BOA refused to provide any options to pay down specific balances, or accurate monthly breakdown on individual balance amounts purposely confusing and misleading consumers on actual balances overcharging interest on amount paid down years ago.

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 monetary relief
Consumer complaint received 2023-08-10
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit Karma account Someone hacked my account. Changed my email and phone number, tried to withdraw funds, made two purchases and ordered another debit card. CK did return the two purchases after I disputed them. Now, they have frozen the account and I can not see any part of my account. I had a direct deposit of {$300.00} go in last night because I could not stop it in time from my employer. I have tried to call and spoken to a supervisor and all they told me is that it has been escalated to a specialist back office team. They will not transfer me to anybody to discuss my case. Will correspond via email only. The emails Ive received explains that theyve done basically nothing. I can not contact anybody from a fraud department or anything from this company ; no one will call me. I need this money to feed my family. Theyve allowed some security breach for someone else to change my information and now they wont do anything to fix it and theyre holding {$320.00}. I reported over a week ago and they just opened my case on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Advanced Portfolio Group LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Advanced Portfolio Group ( aka APG ) first called me on XX/XX/2019 informing me that they were attempting to contact me to mediate a " business '' matter. Upon speaking with a representative at the firm, they are attempting to collect on an installment loan debt without ever notifying me via written mail. I asked the representative to mail me the appropriate information per the Fair Debt Collection Act, in which he verified my home address. I indicated to them that I would be disputing the debt. 

The company called again on XX/XX/2019 and left a VM saying I had plenty of time to review the email they sent on Tuesday and wanted to know if I would prefer to settle the account or go to mediation. I called back and spoke with another representative to inform them I still had not received the notification via mail. The representative indicated that they already mailed something 30-days ago and sent an email on Tuesday. I informed them that I had not received both, per law, and would again need to validate the debt. The representative became very angry saying they could verify a letter was sent, which I indicated unless you certified it, I have no record receiving it. 

It is my belief that Adavnced Portfiol Group ( APG ) is not following the Fair Debt Collection Act laws and have mailed them a cease and desist letter via certified mail. It is my expectation that all further communication be mailed via USPS per law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I was " Turned Down '' for a new cell phone by " XXXX '' because of some negative credit information on my " Equifax '' credit report. And " Equifax '' is refusing to give me a copy of my " Equifax '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX Balance : {$1700.00} XX/XX/2020 Debt does not exist and 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-08-23
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is attempting to collect on out of statute debt which is unlawful under the Fair Debt Collection Practices Act. Please confirm the information shown in this account and REMOVE COMPLETELY FROM MY CREDIT REPORT. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX-Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with AUTONOW and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that AUTONOW claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. AUTONOW has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation