BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Parrish and Lebar, LLP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My check was wrongfully garnished XX/XX/XXXX. I contacted a representative of Parrish and Lebar and was told that my money could be returned to me. I declined the offer and asked to have the garnishment of {$320.00} applied to my remaining balance. I contacted the law firm today to obtain my balance and to make sure the garnished payment was applied. I was told {$320.00} was applied on XX/XX/XXXX. I received a call soon after from the supervisor. She threatened to garnish my pay again because I didn't make a payment in XXXX. I told her that I did, I let them keep the money from the 1st garnishment. I also explained that my remaining balance owed to XXXX Traffic Court isn't due until NEXT YEAR, so there shouldn't be any more garnishments. She stated that I had a payment arrangement with them and because I didn't physically call in to make a payment in XXXX that she was going to send for another garnishment. My agreed upon payments to this law firm is no more than {$150.00}, they received {$320.00}, that's 2 months of payments. I also told the supervisor that I have XXXX next week and I can not afford to pay anything else at this time due to my medical bills. She basically said oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXXXXXX XXXX Account # XXXX, XXXX and 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

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 2021-02-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with XXXX, and they have sent me nothing at all. This is a violation of the FCRA. They are reporting on my credit and have never sent me any reason as to why! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Total Card, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022, I purchased two American Express XXXX XXXX XXXX with a total balance of {$1000.00}. 

On XX/XX/2022, I found two transactions ( one on each card ) wiped out all of my balances on the two cards. 

I called XXXX in relation to this matter, and they told me that they were unable to recoup the fund despite existing rules on Electronic Funds Transfer. 

The card numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Resurgent Capital Services L.P.
State: CA
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 has a very large name 's list for collection purposes, such as Resurgent, LVNV Funding LLC or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with. 

XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid XXXX  over XXXX  from the alleged original creditor. Such of pile. 

This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX  they want and then sue me to try to make me pay. Baby, You will never collect a XXXX  and this is a promise I will keep. 

You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX  behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have the Apple Card and have been using it for a couple of years now no problem. Recently I went on XXXX in XXXX and my phone was stolen. I took all the steps with erasing my phone and all that. I was even able to use the Apple Card on my other phone for about a week afterwards. Then all of the sudden I went use my Apple Card and it was locked. Mind you this was while I was at the airport and wasnt able to get home. I called Goldman Sachs/Apple Card and they told me it was under review to verify my identity and it should be all set in 24-48 hrs. To date it has been 4 weeks with no end in sight. No reason or explanation given. Just its under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TD BANK US HOLDING COMPANY
State: IL
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 HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX, XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY XXXX CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX Negative Account Info Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Account Info Account XXXXNORDSTROM/TD BANK USA Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameXXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX XXXX  bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, I sent the recipient total of {$540.00}. 
I was told I was going to get it back, but the recipient has not done so nor will respond to my messages. I 100 % believe it is a scammer. 
1 ) XX/XX/XXXX, {$250.00} 2 ) XX/XX/XXXX, {$250.00} 3 ) XX/XX/XXXX {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management, for committing identity theft. I have never given Midland Credit Management, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Midland Credit Management and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Midland Credit Management any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Midland Credit Management, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: WSFS FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 there was a foreclosure sale on the property XXXX XXXX XXXX XXXX XXXX XXXX, Mo and the XXXX purchaser was XXXX 's XXXX XXXX that he bought at the foreclosure sale. XXXX XXXX was the Trustee. XXXX XXXX submitted to the the XXXX XXXX Missouri Circuit Court that the sale was XX/XX/2019 and he purchased it. The property taxes have not been paid in 4 years. Two weeks ago the house flooded and he does not have a building permit. The property was never sold at the foreclosure sale since on XXXX XXXX web- site they list the property and XXXX XXXX is the mortgage holder. At a forclosure sale the property must be bought in cash and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX credit report. I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XX/XX/2022 SYNCB/TJX CO DUAL CARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 SYNCHRONY BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 

Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 

Thank you for your prompt assistance. 

Sincerely, 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 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
My XXXX report is showing three accounts with Bank of America - 2 closed and 1 appears to still be open. These are not my accounts. Attempts were made to contact Bank of America to report that the inaccuracy needs to be deleted. Unsuccessful attempts were made to these BofA phone numbers : ( XXXX ) XXXX & ( XXXX ) XXXX and I was unable to locate the appropriate address via an online search. In a XXXX Chat with BofA, I attempted to get the address so as to write and have the inaccurate information deleted but was informed that I must contact XXXX directly. Since BofA is a part owner of XXXX Im uncomfortable further trying to resolve this via XXXX and seek the help of CFPB.

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a business account with Chase that was opened under the Chase Premier Plus Checking account with Chase XXXX XXXX in XXXX or XXXX. This account does not charge fees or require a minimum deposit. 

I closed the account earlier this year around XX/XX/XXXX. 

Prior to closing the account, I withdrew the balance. 

On or around XX/XX/XXXX, I started getting calls from people that stated they were with Chase bank and I had fees on the account, approximately {$64.00}. Each time a representative calls they state that they have looked into and the matter is resolved. Then a couple weeks or month or so later, I get another call. I feel harassed, if these people actually work for Chase it should be clear that they assessed fees after the account was closed. It should also be documented in their notes of removing the fees that should have never been assessed. 

I have received not one letter from Chase showing any fees on the account, yet the calls continue to come. 

It is also odd as I had a positive balance with the account was closed and I never saw any fees while the account was open for the short period of time. This account never had a high balance, at most the account maybe had a couple XXXX dollars if that. This account was rarely used, maybe 6transactions including the transferring the small balance. 

While Chase or their affiliates continue to harass me even though I have asked several times to stop calling me on this issues as it an error on chase part that was told to me on several occasions to be resolved. 

I just received another call this morning again same issue. I feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Their investigation did not fix an error on your report

Complaint:
My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.

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 2021-03-17
Company: MUFG AMERICAS HOLDINGS CORPORATION
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:
I XXXX XXXX XXXX am filing a complaint on XXXX  for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. 
They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 MUFG Union Bank is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to XXXX XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.

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