BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Resurgent Capital Services L.P.
State: SC
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:
Subject : Complaint Against XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

On XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. 

I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that LVNV FUNDING LLC may have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXX XXXX XXXX may have violated the FCRA by inaccurately reporting my debt after reopening the account. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and LVNV FUNDING LLC if any violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. 

In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and LVNV FUNDING LLC , as well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. 

I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00}XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2019-01-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
So I am being sued in Texas by LVNV Funding LLC which is in Nevada. They bullied me and never contacted me about this debt and all of a sudden I get a summons. They have cost me mental pain and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a Chime card. Money was withdrawn over an hour every 2 minutes till my account was empty. It started with my wife noticing her XXXX account was locked out and a new email address was added saying it was from New York. We live in Ohio. So she called what she thought was XXXX help, and why she was on the phone with them the money was being withdrawn every 2 minutes to a thing called XXXX XXXX from California it said. I filed a police report and a dispute with Chime. The withdrawal happened on XX/XX/, police report was filed on XX/XX/XXXX, XXXX gave Chime a police report on XX/XX/XXXX when I picked it up. On the XXXX of XXXX, they closed my dispute saying not was wrong. called that night and had it reopened, so I could submit a police report when I picked it up. They have not helped or taken this seriously. I can not pay any bills or feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Harvard collections posted a debt collection to my account I disputed the sever because it was discharged in my bankruptcy, they changed the account number a date on the debt. I submitted ocular proof and the debt still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 Synchrony/Paypal credit card was settled for the amount of XXXX. 
It was then cashed by SYNCHRONY BANK on XX/XX/2023. 
I have provided the check as proof as well as the paper mailed out by SYNCHRONY stating that they agreed to this settlement. It is dated XX/XX/2023. 

After asking me to mail in the documentation for proof on XXXX XXXX I was told that they sent my account to XXXX XXXX to be placed with another collection agency. I was also told that it would take 60 days to investigate my dispute.

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 2021-08-17
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I was a member of Sam 's Club in XXXX, AZ for 1-year from XX/XX/XXXX through XX/XX/XXXX. I got a Sam 's Club Visa card through Synchrony Bank that gave me cashback rewards at Sam 's Club for using the card. My latest credit card statement shows I have a {$41.00} credit. 
I sold my home in XXXX and moved away from the Sam 's Club store such that it did not make sense to renew my Sam 's Club membership. 
I called Synchrony Bank on XX/XX/XXXX and asked how I get the {$41.00} cashback I'm due. They told me to stop at Sam 's Club and they would give me the cash. I stopped at Sam 's Club on XX/XX/XXXX. They said they would be very willing to give me the cash back ; but Synchrony Bank had not entered the credit in the computer. They gave me Synchrony 's phone number and told me to request that they enter the credit in the computer system. 
I called Synchrony Bank on XX/XX/XXXX speaking to XXXX and later his supervisor, XXXX. Both told me the cashback is only redeemable once-a-year in XXXX ; but they also said I would not be eligible to get the money because I am not still a Sam 's Club member. They said that is Sam 's Club 's policy. I argued that Sam 's was VERY willing to give me the cashback if Synchrony simply entered it in the computer. Sam 's Club even gave me Synchrony 's phone number. 
Both XXXX and later XXXX repeated the same story again. I asked them ; " so, you just cheat people out of the money you promised them? '' They insisted on making Sam 's Club the bad guy. I kept insisting Sam 's Club is VERY willing to do the right thing if they simply enter the credit in the computer. They kept saying, " No, they would not do that. 
What can the CFPB do to help me?

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 2023-10-25
Company: Kornerstone Credit,  LLC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX XXXX. I picked out furniture I wanted. I was told that financing would be with Kornerstone Credit. I did not receive a lease to sign. Furniture was delivered once ( wrong furniture ), second time damaged furniture, store couldnt repair furniture in home. Talked to XXXX and XXXX, store managers and told them I do not want the furniture. They both agreed to cancel order and relayed this to a XXXX at Kornerstone Credit so I would owe no money. I have several emails from Kornerstone Credit. On XX/XX/XXXX Kornerstone Credit sent me and email stating my time to sign lease had expired. In XXXX, I had a lease with Kornerstone Credit that I paid off. Kornerstone Credit used that information to debit my account for {$260.00} on XX/XX/XXXX after I was told by XXXX at Kornerstone Credit my furniture order ( XX/XX/XXXX ) was terminated by the store and I wouldnt be charged. XXXX called and confirmed this information with the store manager XXXX. I was told by Kornerstone Credit in order to get a refund, I would have to go pick the furniture up and bring it to my house. I do not have this furniture and Kornerstone Credit still debited my account and refuse to issue me a refund of my initial {$50.00} plus the {$260.00}. Kornerstone Credit has consistently called, texted and harassed me and still trying to debit my banking account. I never physically signed a lease with Kornerstone Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 my Simple bank account switched over to BBVA and we were promised a seamless transition.

Since yesterday, I and many other former Simple customers have been unable to properly transition our accounts, or even access them, and some have even been unable to use their debit cards. BBVA does not answer their phones and even promised to be available at XXXX XXXX Central today but when we call, the line automatically hangs up XXXX some people hear a recording pretending to say they can't hear the customer before hanging up XXXX. The actual app interface is a mess ; I tried to start my account activation from scratch and it told me my account was already open. Luckily I wrote down the password I tried to create yesterday ( even though I got an error when trying to do this ) and I got a message saying I was locked out. 

Oh, and BBVA has not sent one email since this entire fiasco began, rather, they have provided inaccurate updates on an unverified XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Lendmark Financial Services
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Lendmark Financial. Due to financial hardship, I was not able to make payments. I reached out to XXXX XXXX XXXX and enrolled in their program. I was told by an employee at Lendmark that they do not work with XXXX XXXX XXXX, that if I could not make payments on the loan that I would be taken to court. XXXX XXXX XXXX said that what Lendmark is telling me is false, that they do work with this company to settle debts. When I reviewed my file on XXXX XXXX website, Lendmark is listed as an account they are working to resolve. I was advised by XXXX XXXX XXXX to advise them to stop calling me or they would be reported to the FTC. Lendmark is continuing to bill me and have now resorted to trying to contact me at my place of employment. They have not offered to negotiate. I have insurance on this loan but payments are waived only under conditions of unemployment. I have been lied to and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/23 I sent a dispute letter ( one of many for this account ) to XXXX and one to XXXX on XX/XX/23 for for the Caine Weiner account that continues to report on my credit report. XXXX has already removed this account, and I understand when one credit bureau removes an account, others must follow suit. So not only did Caine & Weiner NEVER validate this account as I requested, they also are sending me letters with offer to pay while the account is in dispute, which I know is a violation of the Fair Debt Collection Practices Act. Furthermore, Their offer is dated XX/XX/23. I understand under FDCPA guidelines, you can not send someone a letter to collect on a debt while the debt is in dispute and has not been validated. I ask that you please remove this account from my credit report due to FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MI
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 am not reliable for this debt with XXXX XXXX XXXX XXXX acct # XXXX, I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the Experian to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( 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.15usc1681s-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 accurate also they are not in compliance with metro2 reporting I have evidence to prove my case.

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 2023-12-01
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 information incorrect

Complaint:
I have sent multiple letters as I have received a letter in XXXX stating that all my student loans will be forgiven, but some of them are still listed on my 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 explanation
Consumer complaint received 2023-10-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I obtained a new phone and phone number. The online only bank ( usaa ) would not alllow me into my account information unless I verified with my ( prior ) phone number and ( prior ) device. I no longer had access to either. The representatives said they werent able to transfer me since my phone call is not able to be verified but gave me the information to verify my id online using my drivers license and request a call at my new number. The automatic systems said to expect a call within 2-3 business days. I called on day three and they said they cant verify me ( since I dont have access to my prior phone or number ) so they cant transfer me to that department. On day four I called asking for answers and access to my accounts and they were unable to tell me anything. At this point I redid the online verification. This is day four since I redid this and over a week since Ive been able to see or use my checking. 
I called again, and again unable to help me. 
The only branch is in XXXX, I am in XXXX By phone or online is the only way to access my account and they wont allow either. The account is not locked for fraud but as the owner I cant access it. 
I just want my checking account back, and any fees incurred by this situation to be refunded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: NC
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 XX/XX/XXXX, I received notification from Experian that they have upheld a fraudulent negative payment reported to them by XXXX despite evidence provided to them and to XXXX that this account was paid in full and the payment cleared my bank. This account not only was never late, but was paid in full in XX/XX/2019.

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 2023-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello XXXX is reporting incorrect information on my credit report. I attached a copy of my report as proof that they are reporting inaccurate dates across all 3 reports. The balance is also incorrect. I have been disputing this information and as you can see in the report comments, it says meets FCRA requirements. I am aware that reporting inaccurate and incomplete information on my credit file is a violation of the FCRA and they can be sued {$1000.00} per violation. I am now asking that they remove this from my file. I have all disputes on hand as proof that I have tried to get this corrected. I have also asked that they cease all communication with me. This is also a violation. They keep contacting me to collect payment from me and have not send me any sort of proof that I owe this alleged debt. I have asked for contracts with my signature with no response. Only collections letters. Please investigate this matter for me. Thank 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 explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND TRANS UNION REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT TRANSUNION REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM XXXX CFPB COMPLAINT NUMBER 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