BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my report for accuracy and saw an account for LVNV FUNDING LLC for Original creditor : XXXX XXXX XXXX in the amount of {$380.00}. 

I was in an abusive marriage for the last five years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to lose my kids to child protective services due to the ongoing abuse. At the time of this collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I finally came forward about the abuse this year and the judge put him in jail, and expedited the divorce. I am now on my own and in the process of trying to get custody of my kids. The judge states I am good standing to get my kids as long as I get a job and get my own place. I just started a new job, and now i am trying to get approved for my home. I am requesting settlement of {$190.00} and deletion of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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:
Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: TX
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  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: OH
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon reviewing the county clerks website for mortgages and deed. I found the attached stating. I was granted a modification in XXXXXXXX XXXX XXXX with the amount owed from the forbearance put to the back of the loan.. XXXX. What is so puzzling I have not signed any mortgage modification papers since XXXX. That modification I was in a disagreement because the modification I signed stated. I had to pay XXXX up front which I could not affordthat was in XXXX. I never signed any agree In XXXX. If I did I wouldnt be going through this back and forth. I would be making my payments. And I couldnt make my regular payments unless I was to give the XXXX XXXX  first which I did not havethe date on the notary looks altered so that means I would only be behind from last XXXX. Until now which Rushmore says I owe over XXXX XXXXXXXX. Lets get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. Lastly 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Please remove the late payment status off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXXXXXX - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to COVID 19. See attached letter confirming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card closed my accounts even with perfect payment and even paying before payment dates just to keep the accounts healthy. It is wrong and should be illegal to close someone's account without valid reason especially when the account is being taken care of better than most customers. This feels discriminatory as I am of XXXX descent. This resulted in lowering my credit score which therefore harms my chances of being approved for credit at good interest rates. Closing my account also lowered the average age of my credit itself. This alone is an erroneous report on my credit report as I do have over 2 years of credit history with Discover. Discover should reopen my account or delete my account altogether. This just isn't fair in the middle of COVID 19. In addition, I also have perfect credit history with all my other credit card companies. In fact, they are all paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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: Account status incorrect

Complaint:
On XX/XX/2021 XXXX XXXX XXXX  closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXXXXXX XXXX updated by Consumer reporting agencies ( XXXX, XXXX, Transunion ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXXXXXX XXXX stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX  is destroying my PERFECT payment history in 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Crow Creek Sioux Tribe
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Complaint Regarding Predatory Interest Rate and Request for Loan Cancellation Dear Consumer Financial Protection Bureau, I am writing to express my profound concern and shock regarding the predatory and egregious interest rate that a lender attempted to charge me. The terms of the loan agreement were as follows : Annual Percentage Rate ( APR ) : 690 % Finance Charge : {$870.00} Amount Financed : {$200.00} Total of Payments : {$1000.00} I find these terms to be completely unacceptable, as they demonstrate a blatant disregard for the financial well-being of consumers. Such a high interest rate is not only unethical but also exploitative. 

On XX/XX/XXXX, at approximately XXXX XXXX, the lender extended these terms to me. In response, I promptly sent them a request to cancel my loan at XXXX XXXX  on the same date. As per their agreement terms, my loan should be canceled with no penalties since it has not been funded as of the time of my cancellation request. 

I am filing this complaint with the CFPB to raise awareness of this lender 's predatory practices and to seek assistance in addressing the issue. I also request that the CFPB ensure the loan is canceled without any penalties, as specified in the lender 's agreement. It is crucial to protect other consumers from falling victim to such outrageous terms. 

I look forward to your prompt response and guidance on how to proceed in this matter. 

Concerned, Citizen~ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told by Hunter Warfield that I have a debt owed of {$9100.00} on XX/XX/XXXX. 
I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8, all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and I'm being forced into involuntary servitude for financial gain. They willfully deprive me of my rights and privileges, and they have used coercion to pull me away from financial freedom. Also, the use of extortion to have me pay a debt a have provided the remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAVALRY INVESTMENTS, 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:
I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed XXXX XXXX XXXX XXXX XXXX XXXX that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company XXXX Cavalry Portfolio Services, a credit card company, XXXX XXXX, that is pursuing the collection of a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: DISCOVER BANK
State: NJ
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:
A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to XXXX. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of ab sudden the account is reappearing 6 months later with a balance of {$2300.00}. This account was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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 opened a business credit card in XX/XX/XXXX ACCOUNT ENDING IN XXXX, I PAYED EVERY CHARGE I MADE ON THE CARD. ANOTHER CARD WAS FRAUDULENTLY ISSUES TO A XXXX XXXX WITHOUT MY AUTHORIZATION and various charges was made on a card that i did not authorize, some HOW they were able to changed my correct address to a unknown fraudulent address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX, according to the statements they sent to me on XX/XX/XXXX In XX/XX/XXXX AMERICAN EXPRESS AND TOLD THEM AND AFTER HAVING TO CALL SEVERAL TIMES THEY FINALLY CORRECTED THE PROBLEM IN XX/XX/XXXX AND I HAD A $ -XXXX CREDIT BALANCE ON THE ACCOUNT NOW I GET MY PERSONAL CREDIT REPORT AND THEY FLAG MY ACCOUNT AND PUT THAT FRAUDULENT CHARGES FROM THE BUSINESS ACCOUNT ON IT. 

I CALLED AMERICAN EXPRESS SEVERAL TIMES AND THEY CLAIM THEY DO NOT SEE THE ACCOUNT ON MY PROFILE, BECAUSE THE ADDRESS I GIVE THEM IS NOT ON THE ACCOUNT SO THEY CAN NOT GIVE ME ANY INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Lowes credit card issued by Synchrony Bank has added a phone number which can be used to verify my account that I never added. They said to call XXXX at XXXX but they shouldn't be allowed legally to add anything no matter who reports any information especially as a verification method without my consent. I believe this to be wrong and should be addressed.

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 2021-12-23
Company: EQUIFAX, INC.
State: UT
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 submitted a dispute to Equifax to correct my legal name. I even submitted my state issued XXXX XXXX with my legal name and date of birth and current address. Despite that I receive notice that it was corrected but the incorrect still appears. Also with Equifax my credit report states " Report Blocked for Promotional Purposes. '' I have called them XXXX times and spoke with someone who verified it has been removed but need to wait over XXXX hours. It has been XXXX days or XXXX hours since last telephone call and the message still appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
CFPB recently closed the complaint I had made Chime is very A fraudulent business. Their were two purchases that I dispute with them Im aware I know there still working on one with my checking account but I dispute one with the credit card I have with them as well. Their trying to play crazy now I know Im dealing with scammers. They always say no errors occurred you can go to the XXXX  and see. They dont do any investigation there liars Ill leave a photo of the dispute they denied I made all the dates will be provided. I dont understand how there stil in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX  XXXX {$690.00} NWIDE XXXX {$1100.00} XXXX  XXXX {$2300.00} XXXX {$790.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$780.00} XXXX  XXXX {$9300.00} XXXX  XXXX {$2600.00}

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 2021-06-02
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection company sent me a statement charging me interest. I called the original creditor who said this was not appropriate and that they do not charge interest. I never agreed to be charged interest and there is no court judgment allowing such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} XXXX XXXX through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, Experian XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone Experian, XXXX and XXXX directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.

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