BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. XXXX AND XXXX, RESURGENT CAPITAL SERVICES, LVNV AND XXXX XXXX BANK. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have identified items on my consumer report that are a result of identity theft. These items listed are all 2nd paid transactions that do not have my written or verbal consent to report all items listed ( documents attached/ enclosed ). According to 15 USC 1681 C-2 I am filing this complaint. The items listed are also a violation of 15 USC 1681 ( a ), ( 2 ), exclusions, 15 USC 6802 ( b ) opt out. Some of creditors were warned by USPS mail about my rights as a consumer by ignored my correspondence and continued to violate my rights as a consumer.

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 2022-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to apply for a mortgage and the lender is not able to pull Equifax report. I used to live at one address which is very similar to where I am staying for the time which is 5 houses down from our old place. You are not letting the mortgage lender XXXX XXXX run my credit due to a " freeze, '' that is not even on my credit report after speaking to 4 different agents within the past week! I need you to allow any and all mortgage lenders to run my credit report ASAP as I am needing to apply for a home loan in this present moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Chime Financial Inc
State: FL
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/2023 I was charged {$360.00} by XXXX XXXX, my phone XXXX of 3 years is Cricket so I reported my card as lost and I filed a dispute. I spoke with the merchant XXXX on XX/XX/2023 and they informed me a refund would be issued. I also spoke with a chime XXXX who told me the payment reversal was initiated on XX/XX/2023 and I should expect the refund by XX/XX/2023. Now this morning chime has denied my dispute and I have not received my funds from XXXX XXXX. XXXX clueless as to why and how this was denied being I dont even have a phone line with XXXX XXXX XXXX be sure to add supporting documents and information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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 2023-11-11
Company: DISCOVER BANK
State: DC
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:
I received a new copy of my credit report a week ago and I checked that I had an account credit card account opened without my knowledge. Discover Bank put an Account Review Inquiry on my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited roughly XXXX dollars into the Chase ATM. The machine spit out a recipe stating that it was no longer functioning. The cash was never deposited into my account. Day 5 and still waiting even though I have to pay bills, eat, etc. I am worried about overdraft fees. After calling them and spending a lot of time on the phone they said there was nothing they can do. I tried to get them to expedite, but they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Almost 2 years ago when my puppy needed a XXXX, I opened a line of credit with Care Credit, run by synchrony bank. I set an autopay far above the minimum payment. Then occasionally checked the list of Promotions, in case any payment is getting expired I would pay it off. I missed to do so for 3 months in 2022. Once I checked the statement in XXXX, I was charged almost {$500.00} interest. I have been charged almost {$1300.00} up to now. I called them to figure out where such a big charge is coming from. I was explained that right now I have {$3800.00} non-promotional balance, which is accruing interest ( I guess 2.25 % ) daily. I have never paid interest on a credit card and I thought I missed 1-2 months here and I can catch up. But their website and statements are designed in a way to confuse people NOT showing at all these accumulated debt. When I asked how can I pay to clear that hidden debt, I was told I can not pay directly. I have to " call '' and ask them to allocate an amount to the non-promotional charges. That being said, when you call the number behind the card, XXXX, there is NO options to talk to a representative. The machine just gives you the information of your statement. Then asks if you want it to be repeated, or be sent to your phone as a text message!!! I kept clicking 9 and 0 randomly, eventually the machine understood I want to talk to a person. The whole system is designed for people to fail, or give up. Statement is pretty deceiving, present you the minimum due and charges but NO clear way to understand why your total debt doesn't reduce.

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 2022-08-07
Company: EQUIFAX, INC.
State: NC
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 am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-07-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Company Midland Credit Management , Inc is suing me in the amount of {$2400.00}. The debt created was little over {$1000.00}. I appeared in court last month, explained to the judge that this debt was a little over a {$1000.00} and wanted to know how they ( Midland Credit Management ) came up with {$2400.00}, unable to explain cause for that amount, the judge ordered a mediation conference to resolute the matter. Also Ive done some research on Midland Credit Management from the information I pulled up and you can correct me in Im wrong but I dont think they are qualified to contest matters in the state of Florida as it pertains to debt collection. Also correct me if Im wrong again but I do believe my debt has exceeded the guidelines for collection. This debt isnt showing up on my credit report so whats really happening here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}

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 explanation
Consumer complaint received 2023-03-08
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. 

Account name : XXXX XXXX XXXX # XXXX15 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 explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-10-14
Company: CURO Intermediate Holdings
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried numerous times to contact the collection agency RMP SERVICES LLC ( 2 collection accounts ) to verify the debt being reported on my credit file. I have been unable to speak with someone who has information on the account, their system does not recognize my pertinent information as a valid account. 


Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX  ( XXXX ) XXXX Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX Mortgage XXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.

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 2023-04-20
Company: Maury Cobb, Attorney at Law, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX XXXX. On XX/XX/XXXX received a letter dated XX/XX/XXXX from Mary Cobb Attorney at Law on behalf of XXXX for a {$490.00} debt that is incorrect. The amount owed should be XXXX. In fact, XXXX  owes me. I called this law firm on XX/XX/XXXX at XXXX and told them that this was a mistake and that I do not owe anything, and they blew me off and said that they are only a debt collector. On XX/XX/XXXX, the {$490.00} dollars was reported on my credit reports. Now, I can not get financing to fix my roof that was damaged in a XXXX that recently hit my town. On XX/XX/XXXX, I called the law firm again and told them that they sent wrong information to the credit bureau, and they told me to mail receipts to them and they will resolve. I mailed them the info by certified mail on XX/XX/XXXX. I called the Law firm on XX/XX/XXXX to confirm they received, and they said they received and sent to XXXX for validation, however, they never validated the information before my information was sent to the credit bureau XXXX The law firm said that it would take 30 days. I contacted the Law firm on XX/XX/XXXX to follow-up on status, and the person I spoke to is now say 60 to 90 days, and hung up in my face after I told her that I was going to report them and XXXX to the Consumer Financial Protection Bureau XXXX 

XXXX XXXX was fraudulently debiting money from my bank account for a device that I had cancelled, and I have proof that it was cancelled. Both the Law firm and XXXX are reporting wrong information on my credit report that is having a negative impact on me getting financing to fix my roof during a rainy season. I am a XXXX citizen, and I they think they can ignore me. 

I would like XXXX and Law Firm to remove the incorrect information from my credit report, and I would like XXXX to pay me back all of the money that they were debiting from my account ( {$560.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation