BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is classified as a " junk debt buying '' abusive debt collection company by the Federal Trade Commission ( FTC ). LVNV FUNDING was sued just recently for deceptive and abusive practices. All 3rd party debt collection companies are regulated under the Fair Debt Collection Practices Act. No alleged verified statement makes debt collectors exempt for breaking the law under the ( FDCPA ). LVNV FUNDING is known for using deceptive practices. Even now, per FDCPA Resurgent can not represent LVNV Funding. That is false and misleading representations per 15 USC 1692e ( 14 ). ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX want to also highlight that LVNV FUNDING did not respond to me directly when I asked them to validate the debt per 12 CFR 1006 Regulation F of the FDCPA or 15 USC 1692g. By law they are given 30 days to respond per 15 USC 1692g ( b ) ( FDCPA ) and they did not do so. That is a violation, and they are now liable to the consumer XXXX XXXX per 15 USC 1692k. Failure to comply to law prompts deletion of the any information the debt collector when they use abusive deceptive practices, otherwise LVNV FUNDING will face court consequences. I had to file a complaint with the CFPB just to get a response from this company. LVNV FUNDING also violated the privacy act per 5 USC 552a by illegally having personal information such as name or social security number is protected by the Privacy Act 1974 which is also in possession of the debt collection company Resurgent. Ths company has broken many laws during their response in the letter they sent to the CFPB in my initial complaint. Just because they sent statements to verify an alleged debt still does not validate the debt. It's called DEBT VALIDATION not debt verification. What LVNV FUNDING had Resurgent to send responding to my initial complaint, did not prove anything. Especially since they are being passive and avoiding responding to my letters directly. Their silence is of the acquiescence. Furthermore, LVNV FUNDING debt collection company lied and said they didn't break any laws. They have violated my rights. They are currently in violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Block, Inc.
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX Re : Formal Complaint - Fraudulent Transaction and Inadequate Response Dear Consumer Protection Agency, I am writing to file a formal complaint regarding an incident that occurred on XX/XX/XXXX, involving a fraudulent transaction at XXXX XXXX  XXXX, where I was a victim of deceptive practices and inadequate consumer protection measures. 
On the aforementioned date, I visited the XXXX XXXX XXXX  website to place a pickup order. The restaurant 's website exclusively facilitates pickup and delivery services through XXXX. Upon my arrival at the restaurant XXXX minutes later, both the restaurant attendee and the owner informed me that they had not received any online order requests. Despite presenting my receipt, they recommended contacting XXXX for assistance. 

I subsequently spoke with XXXX individuals from XXXX, both of whom had strong accents and did not disclose their names. The call center representative and supervisor informed me that the last recorded order with XXXX XXXX  was on XX/XX/XXXX, contradicting the date of my order. I initiated a three-way call with XXXX and XXXX XXXX  XXXX during which both parties denied any record of an online order & that my receipts order number was less than XXXX digits for XXXX orders. 

Concerned about the security of my information, I contacted my credit card company, Cash App, through both chat messenger and a phone call. Cash App advised waiting until the pending transaction cleared before taking action. I found this response unsettling, as it left me vulnerable to potential misuse of my account if additional funds were available. 

Despite informing Cash App of an open police report due to a previous identity theft incident from a lost wallet, they failed to offer proactive measures such as issuing a new credit card. Upon the clearance of the transaction, my dispute was promptly denied without a clear explanation. Cash App 's response was more re-victimizing than protective, subjecting me to unnecessary inconveniences and punitive policies. 

In light of the above, I am seeking your agency 's assistance in retrieving the amount of {$29.00} and safeguarding my account against further unauthorized charges. I have attached pertinent documents, including the purchase receipt, website copies, and call logs, to aid in your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If you have any questions I can be reached at XXXX or email : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Paypal Holdings, Inc
State: CA
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 hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of great importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon moving out of my apartment ( XXXX, XXXX, Nevada ) in XX/XX/2021, the management refused to do a move-out inspection. About a month later, they sent me a letter saying I owed them {$140.00}, which was in addition to the {$300.00} deposit they were not returning to me. This document they sent me falsely stated this extra charge was due to " accelerated rent ''. At this point in time I had never been provided an itemized list of charges, which is required per my lease. I have pictures supporting my claim that the unit was left in as clean or cleaner condition than when I moved in, in accordance with the terms of my lease. XXXX  years later now, the alleged debt is with a collection agency ( XXXX ) and when I disputed this debt they were able to provided an itemized ledger containing cleaning charges totaling {$340.00}. These charges are fraudulent. Additionally, the itemized ledger was never sent to me within XXXX  days, as is stipulated in my lease. These cleaning charges are part of the cause of the alleged debt I owe. I have a complaint open with the XXXX ( which has given XXXX an " XXXX '' rating ) and am disputing this debt with the XXXX major credit agencies. I have pristine credit, and can afford the {$140.00} charge, but these business practices are fraudulent and should be stopped for the people that can't afford to have their {$300.00} deposit stolen and then their credit damaged due to fraudulent business practices. Neither XXXX ( the apartment ) nor XXXX XXXX XXXX XXXX ) has provided evidence ( i.e., move-out inspection form and pictures ) substantiating their claims. Additionally, XXXX 's communication practices have been vague, inaccurate, and not in accordance with the lease ; this is fraudulent behavior. I have attached a sampling of pictures ( due to file size limits ) and additional supporting documentation to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received an email today XXXX, XXXX from chime letting me know that my debit card should have arrived and to activate it. 

I called in to Chime immediately at XXXX and got XXXX who I explained the situation to. He stated he closed out the account and that I would not be liable. I asked how was the checking account even opened and debit card mailed out when all three of my credit reports are frozen as it typically requires a credit check to finalize the opening of a checking account. He was unable to answer this question. I requested to speak to a supervisor and he stated that there was no supervisor available to speak to me in regards to fraud/identity theft and would not provide his immediate supervisors name. I then ask him to transfer me to the Fraud Dept and he transfer me to another costumer service rep XXXX. 

I then explain the situation to XXXX and request to speak to a supervisor and he transfers me to XXXX. 

I then explain the situation to XXXX and she was unable to provide me any information because I could not confirm the physical address used to open the account. The physical address used to open the account was not actually my address which is why I have not received any paper mail in regards to this account. 

Chime appears to not take Fraud/Identity Theft Seriously and skips basic measures to ensure they are not enabling fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received two letters from Jefferson Capital concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by Jefferson Capital to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " XXXX '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in XXXX grade XXXX XXXX  years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. The same day, I called Jefferson Capital to file a complaint. I tried to ascertain from the call
person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Consumer Financial Protection Bureau, I am reaching out to bring to your attention concerns regarding the handling of my credit information by Lexis Nexis. I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2023 ) XXXX ( XX/XX/2023 ) XXXXXXXX XXXX XXXX I am disputing XXXX XXXX XXXX information listed on my credit report, as reported by Lexis Nexis to XXXX. 
Despite multiple requests, I have not received proof of the verification process for the updated information, particularly regarding its accuracy. Regrettably, Lexis Nexis has failed to provide any documentation, raising concerns about their compliance with the FCRA and their responsibility to furnish accurate information. According to Pacer and the US Bankruptcy Court, they do not provide this information to third parties.

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Lexis Nexis ' practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate removal of the unverified and inaccurate information from my credit report. 
Your attention to this matter is essential for ensuring fair and accurate credit reporting, and I appreciate your assistance in promptly resolving this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have filed two previous complaints against the Oportun company, and they responded that they messed up with the loan issues, and said that they would close the account and would not do any further wrong credit reports. They are STILL making negative credit reports, even after the TWO PREVIOUS COMPLAINTS have been closed. This is about the XXXX credit report that they put on my credit score report, and they have messed it up AGAIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX a purchase was made at Kay Jewelers. No one told me that if I didn't pay off my balance by the end of a 12 month promotion I would be charged full interest no matter how much I paid down. It was misleading and they maliciously held back information from a consumer. The information was not available to me until after I made the purchase. The agent on the phone stated that I was on 12 months deferred interested for that payment I made but not on the one in XXXX of XXXX. Doesn't make sense. 12 months is 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Maximus Education, LLC dba Aidvantage
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage has changed my payment plan three times. First it was XXXX, then XXXX. Now they are saying my monthly payment plan is XXXX. I applied for the IDR on XXXX XXXX XXXX They calculated my monthly payment at XXXX dollars a month. I then filled one out on aidvantage and at first it said XXXX dollars a month. They switched my monthly payment today, while their office was closed. With payment due Sunday, I have a family and can not afford a XXXX payment. From my understanding the standard student loan payment plan is over a 10 year period, and so is the XXXX plan. With this new payment plan it is showing I will have it paid off in 10 months. They have miscalculated somewhere, and I can not get a hold of them to fix it. Now coming monday I will most likely have a negative impact on my credit score because I can not afford this outrageous payment. I am considering getting a lawyer as well. I have been very stressed regarding this whole incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My father and I bank at XXXX with separate accounts. On multiple occasions my father will sign a check and have me fill in the rest of it, due to his XXXX and inability to write. I have cashed at least 5 checks with XXXX bank written out in this manor. 

On Saturday, XX/XX/XXXX, I took a check to XXXX bank. It was for {$4000.00} that my father had signed and I filled out. I asked the cashier to deposit it. She said I could cash it since it was a XXXX check, so I did. 

On Wednesday, XX/XX/XXXX, I woke up to my.accoint being negative {$490000.00}. I was told my account was on hold due to fraud and they needed to talk with my father to approve the transaction. They could not reach my father, so I was told to drive 2 hours to his home to get him on the line. I did. They spoke with my father and he informed them that he did approve the check and he can't write well. 

I was then told by the bank that they were still going to close my account due to fraud and not allow my deposit to come through the next day. I am a single mother and had my account closed and I was called a thief because my father loaned me money. I would like to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NJ
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 DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I DONT RECOGNIZE THESE INQUIRIES 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS XXXX XXXX XXXX XXXX  - LAST 4 SS XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

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 2023-12-04
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX last week to finish XXXX XXXX. They then told me I had to pay a remaining balance before we could finish. I pulled up my account online and it shows XXXX balance. I thought it was accurate as it went through my FSA. 

Now, a few days later, this company put collections on my credit report. They have never contacted me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$990.00}

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