BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
Last week when applying for a home loan, I was asked about a closed care Credit account with a balance of {$980.00}. My Care Credit account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with XXXX and XXXX. A few days later, my husband received a letter from synchrony Bank saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from XXXX that they had finished the investigation on my dispute, and that Synchrony bank had found the information on my credit report to be accurate. So I called Synchrony bank to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in 2019, and Synchrony has continued to report it as 90+ days late for the past 4 years.

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 2023-01-23
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: Was not notified of investigation status or results

Complaint:
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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report 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 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from CBE Group, which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Wells Fargo, I was offered a loan modification XX/XX/XXXX, which I did not go thru with I was presently in an active bankruptcy during that time chapter XXXX. I continued to make my trustee payment to the trustee during this time and the trustee would disburse funds to Wells Fargo, life happened and my bankruptcy was dismissed XX/XX/XXXX, I had to refile XX/XX/XXXX a new bankruptcy chapter XXXX case. My1st trustee payment was due XX/XX/XXXX I was still making my mortgage payments the trustee and the trustee would disburse the funds to Wells Fargo my trustee payment increased and I was becoming difficult to make so I decided to reach out to Wells Fargo in XX/XX/XXXX to inquire about doing a loan modification I submitted the necessary documents and was told my file was being reviewed. I contacted Wells back the beginning of XXXX and was told that I would be offered the same modification from XX/XX/XXXX, there would be no review. I was like good that means my bankruptcy case can be dismissed because with the loan modification my mortgage will be brought current and there will no longer be arrears. I contacted Wells Fargo from XX/XX/XXXX, weekly up until this past Wednesday XXXX, each time I called I was told your loan is still under review we are trying to work out the finally # 's. That was the response each time. So by this time my bankruptcy case is pending dismissal as of XX/XX/XXXX, so now as today XX/XX/XXXX my case is pending dismissal because of the simple fact I was told by several people at Wells Fargo that I would receive the loan modification from XX/XX/XXXX, without advising me that I would need to pay {$12000.00} I don't have that type of money and I found this amount out on XX/XX/XXXX I'm raising XXXX of my grandkids and I can't afford to loose my home, I feel like all of the time I was contacting Wells I was not advised of the amount that I would have to pay and now I'm being told I could be reviewed for a loan modification with a new review but there is no guarantee that I will be approved. I know things happen in everyone 's life I'm simply requesting a loan modification with the arrears being added to the end of the loan I don't have {$12000.00} to pay Wells Fargo or anyone with that being said and to file another bankruptcy would cost money and the trustee payment would be to expensive.

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 2022-10-10
Company: Resurgent Capital Services 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: Old information reappears or never goes away

Complaint:
This complaint is to inform the CFPB that XXXX and LVNV FUNDING, LLC have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my XXXX and XXXX credit files. 
Partial account number XXXX. 
LVNV FUNDING, LLCs thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MBA LAW plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: IL
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I been trying to access old cash app for my bit coins and stock I have. It's giving me a no option but this. Been over a month sending the same formation for nothing. 
Name XXXX XXXX Address XXXX XXXX XXXX XXXX ny Ss XXXX Cash app It's the only account who holds bit coin and stock. The oldest one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a consumer complaint against this company XX/XX/2020 on XX/XX/2020 this company responded by adding another fraudulent and incorrect account on my credit reports for the amount of {$660.00}. The account number begins with XXXX. They still have not provided any identifiable documentation that the 5 accounts they are reporting to my credit reports are mine. I have tried to get this company to validate these debts to me but they have not the documentation I received was a bill that showed no proof this is my debt. They retaliated against by not responding to consumer finance request properly. But within 4 days of filing the consumer finance request against this company they added another item to my credit report dropping my credit score. These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. XXXX continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I paid the amount in full and the balance on my credit report still have the balance showing up as unpaid. They flagged my account in collections even after making the payment in full because of that my credit score decreased. I am attaching all the documents and I requested them to report accurate information to the credit bureaus and they failed to do so couple of times. Flagging my account which was paid in full as collections doesn't make any sense and its against the FCRA law. I am willing to sue them if they don't delete it from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT 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 2022-10-10
Company: CAVALRY INVESTMENTS, LLC
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:
I was served with a summons on or about XX/XX/2022 from XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC whom I have no contract with, have done no business with, have no knowledge who they are, and owe no money to. Cavalry claims they have purchased my personal information without my permission from a charged-off account from XXXX XXXX My personal information was allegedly sold to Cavalry SPV I , LLC giving them ownership of the debt. Cavalry SPV I , LLC has not provided the purchase agreement or the terms and conditions of this alleged sale. I do not know how Cavalry verified the debt or obtained statements from XXXX other than the " Affidavit of Sale of Account '' provided that lists no name of debtor, account number, or amount owed of the account that was allegedly purchased, just a batch number. I owe Cavalry SPV I , LLC nothing and have never entered into a contract with them as I do not know who they are and have never heard of them. They have no signed contract showing that I owe them anything. I want them to cease and desist any contact with me. Selling my personal information has violated my consumer rights! 

The alleged amount owed that I being sued for is {$3800.00}. I will pay a creditor I do not legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have received many harassing emails from this company in regards to them attempting to collect multiple debts. I am still receiving letters and emails after I requested them to stop contacting me. LVNV is not licensed to collect debts in the state of Georgia. Which makes the constant emails and letter illegal. I have sent letters to the company requesting them to cease contact with me with no response I have verified that LVNV is not licensed to collect debt in Georgia by searching the consumer access site using XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: Acceptance Solutions Group, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Ive recieved multiple calls from this company threatening me, called my employer. They left personal information on my voicemail and my old employers voicemail such as birthdate, last 4 of social. Threatened to have my license suspended and take forceful action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have no clue what's going on so I have no choice but to file a complaint. Equifax, XXXX, and XXXX  have received my disputes XX/XX/XXXX and still have not been able to give me my dispute results. Today is XX/XX/XXXX This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls numerous times a day from many numbers I have asked them not to keep harassing me to pay a bill with money I do not have during a pandemic. They also send mail despite me disputing and them not sending me the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting 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:
I recently viewed my credit report, & I saw a recent inquiry which I did not apply for a credit card on XX/XX/2023, through capital one bank

Company response to consumer: Closed with non-monetary relief