BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act Jefferson capital systems LLC 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. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America is a predatory institution that lies, frauds, and deceives consumers. I have been trying to resolve this with the bank for over a year ( including in a phone call today ), but the bank is adept at wasting time, giving false information, and charging exorbitant fees from consumers. 

They said they reviewed my complaint, but have not provided the phone call records. Obtaining the phone records is essential in this case. 

In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department XXXX I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.

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 2023-06-11
Company: Paramount Recovery Systems, L.P.
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: Public record information inaccurate

Complaint:
These Accounts : 1.PARAMOUNT RECOVERY SYS. XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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:
In XX/XX/2021 my credit was fraudulently pulled by XXXX XXXX, I filed a complaint XXXX XXXX sent out the fraudulent information to be removed from all three credit bureaus. The XXXXXXXX XXXX inquiry was removed from XXXX and XXXX, transunion is refusing to remove this inquiry from my credit report XXXX XXXX XXXX XXXX XXXX team sending out several letters and emails asking them to remove it. I have the contact information for the representative at XXXX XXXXl below. TransUnion is responsible for removing this fraudulent inquiry. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On our around XX/XX/XXXX I obtained my credit reports and noticed collections that I believe to be incorrect of not mine. Upon these findings I requested proof of debt, I reminded them they were contacted on or around XX/XX/XXXX that I had been a victim of fraudulent use of my SS # and/or credit cards. I wrote LVNV and Resurgent Capital in regards to the {$2200.00} that they claim I owe them. On XX/XX/XXXX I sent my first letter requesting viable evidence bearing my signature to LVNV/Resurgent Capital to verify this was indeed my debt and I am legally obligated to pay LVNV and/or Resurgent Capital Services. Per the Fair and the Fair Credit Reporting Act they are required to provide " validation '' upon my request. The validation must include, but not limited to " competent evidence bearing my signature, showing that I have, or ever has, some contractual obligation to pay them. If they could not provide me this evidence they must delete from my credit report and immediately stop collections. 

After the fist letter I sent referenced above I received a letter back saying they have investigated the account and found it to accurate, yet failed to provide any requested and required documents. I responded, XX/XX/XXXX stating they failed to provide the required documents. The XXXX again responded by sending another letter saying the debt is valid, and included a statement of the account, no signature, again none of the required docs. I responded XX/XX/XXXX stating they still have not provided adequate evidence proving this was indeed my debt, or the entire debt was mine, I have no idea. I also responded XX/XX/XXXX to another letter send by Resurgent on behalf of LVNV that had demanded payment and said everything has been verified. This is untrue, nothing has been " legally '' verified, and I have given 4 months in good faith asking them to please get this right, and provide the signed contract, and to please explain the process of verification, along with whom verified the account incase I had questions. Not once did they comply with the FCRA & FDCPA ( included violations, but not limited to FCRA sec XXXX, FDCPA sec XXXX ) guidelines set to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
XXXX was removed which caused a XXXX point drop in credit score. And want XXXX added back. XXXX had a good reporting on my report. The online information is inaccurate to the actual physical report & am disputing things that are a positive on my credit. Experian refusing to address late payments on my account due to illness & when I try to call Experian I am given a difficult the to get through to dispute then when I do, am refused & sent a credit report, or given inaccurate information on my credit report. Not updating such as XX/XX/2021, Experian will not remove soft inquiries I did not authorize

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 2019-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
BK OF AMER XXXX How can this be true when all the remarks are OK then the status is Charged-Off? This is inaccurate. Please delete this.

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 2022-06-16
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint with XXXX asking for debt validation company failed to validate 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 explanation
Consumer complaint received 2023-10-20
Company: Credit Fresh Holdings Inc
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My max credit with this account from when i opened has been XXXX. I have paid back over XXXX XXXX dollars with no draws, almost all being on time. My balance has not gone down a single cent, in fact it has increased, no matter how much i pay back. 

They refuse to detail these imaginary fees on any statement. My money should be going straight to the principal and interest, which should be the same since i opened the account. 

Instead, it seems fictitious fees are being added or my money just is not being taken and applied to my principal. I find this to be illegal ( fraud, robbery ) As they are just taking my money every single month and not reducing my balance based on unknown reasons, and then keep charging me every month. 

My balance should be below {$1000.00} by my calculations, however it still shows as GREATER THAN XXXX, more than i ever could have even taken out. 

I need to know exactly what is happening with this money, where the itemized charges are ( as this is required by law ) and the exact lines in any documentation i signed that depicted these figures and fees. 

I expect my account to be fully forgiven and closed by the end of the weekend, otherwise this will go to court. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owed a credit card debt to American Express for about {$6000.00}. After suing me in XXXX, I hired a lawyer to help me dismiss the case and agree to a settlement. We came to an agreement in XXXX of XXXX. As part of this agreement, American Express should have reported to the credit bureaus that this case was closed and that we had reached a settlement, as I'm rebuilding my credit. I have been paying as agreed and haven't missed a payment. My lawyer has reached out to American Express and received no response. They suggested that I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I requested cash out of my cash app account. After I did this I noticed that the money didn't come to my bank. So I looked and it went to debit card ending in XXXX but I don't have a card that ends in XXXX, and I didn't change it. So I messaged cash app and they said the bank rejected it and it would be returned to my cash app in 1-3 day. I also took an extra step to cancel the cash out which seemed to be successful. But I never got the money back... It's been over 2 weeks and cash app continues to give me the run around and every time I reach out they close the case and respond telling me that I did the transaction so they are closing the case. Like they don't understand, yes I did the transaction but somehow someone hacked my acct or something and changed the debit number which since the bank rejected the transaction they should have returned the money like they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: CA
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:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Case # XXXX is not yet resoved. I repeatedly tried to contact the Bank of America personnel but I just get his voice mail. His name is XXXX XXXX with phone # XXXX ext XXXX. Try calling him and you will know what I am referring to.

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 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: CA
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:
This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Per 12 CFR 1022.42. There has not been Reasonable policies and procedures concerning the accuracy and integrity of furnished information through Equifax, as XXXX deleted this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX  I sent a debt validation letter to Midland Credit Management. Requesting Written verification of the amount of the alleged debt, including a detailed account of any interest or fees charged ; The name and contact information of the original creditor ; Proof that your agency is licensed to collect debts in North Carolina ; A complete payment history for the account, including dates and amounts of all transactions ; and Copies of any documents demonstrating that I agreed to the terms and conditions of the original contract, including the signed agreement. I also requested that the company only contact me in writing from that day forward. 
On XX/XX/23 I sent a failure to validate letter. This is an expert from said letter " As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/23. 

Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA, and the FCRA. 

I must remind you that any attempt to collect this debt without validating it violates the FDCPA. I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report law violations to my State Attorney General, the Federal Trade Commission, and XXXX XXXX XXXX XXXX XXXX. '' On XX/XX/23 I received a threatening letter from Midland. The letter stated that if payment was not received by XX/XX/23 they may forward my account to an attorney for litigation. This violates the FDCPA and NC statute XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On the first of XXXX I sent letters to all three bureaus XXXX XXXX, and Experian. It has been well over 45 days. On the XXXX of XXXX I received a letter from XXXX ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other XXXX bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.

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 2021-04-05
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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