BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-19
Company: First Advantage LNS Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to " XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease, prior to the expiration. Therefore, I was not a holdover tenant and this section does not apply to me. 

XXXX XXXX sent me a " notice intention to vacate, '' that was purportedly signed by me, which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease, as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again, you 're trying very hard to find a way out and I assure you, there is none. Your evidence is attached ( meaning the notice of intention to vacate with my falsified signature ). This is your signed and dated notice to vacate. I will schedule the account for credit reporting on you and XXXX XXXX if this is not going to be resolved today. 

I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX, I can see that she is only interested in having me pay money, and not interested in finding out the validity of the debt. I am deeply saddened by this process, especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner, XXXX XXXX, which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report, and my cosigner 's ( XXXX XXXX 's ) credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reinvestigated my credit report, I there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$74.00} XXXX  XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE '' PayPal closed my account for no reason and will not help me to get it back up and going. I am not sure if this is some mistake as I assume it has to be. I currently have more than XXXX XXXX dollars in the account, and they won't let me take them out. They sent me a message saying they are holding my funds for 180 days. 

I have messaged them often and tried to call their customer service line several times, but all I get to is a recording saying, " we can't help you over the phone. '' I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing their job correctly, and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: MD
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}

Company response to consumer: In progress
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

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 2023-10-29
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the Fair Credit Report Act XXXX Account # XXXX, has violated XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: In progress
Consumer complaint received 2021-10-08
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Credit Systems XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Southwest Credit Systems From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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 2022-02-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally fell behind to medical issues that led to unexpected doctor bills and caused financial hardship. I have been trying to work with the lender to obtain a loan modification without success they state I do not qualify and I have resolved issues by increasing income and still state the same reason. Thereafter filed for a Chapter XXXX bankruptcy to try to reorganize the debt and thereafter the lender opposed the bankruptcy and caused to not go forward. In every attempt I have made to save the home they have made me fall further behind by not assisting my situation. Further they finally offered a modification making payments of close to XXXX and I made the XXXX trial payments and thereafter the modification was cancelled because they state I did not return the documents which I did not receive. I am desperate and frustrated and my health is being affected from all the stress this issues has caused. I have looked into filing a Wrongful Foreclosure lawsuit but at the moment can not afford an attorney and just want to save the home. Also this issue also started when servicers change and amount of debt increased without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed some charges that my General Contractor ( for a home remodel ) charged for labor and materials that he didn't buy/complete. Chase/Visa resolved 4 of the 5 charges ( in my favor -- the contractor didn't even respond or try to appeal since it was a clear-cut case ). The 5th and final charge wasn't resolved in my favor only because of a timing issue that Chase had with VIsa. My contractor charged this amount in question on XX/XX/2018. I filed the dispute XX/XX/2018 ( after giving the contractor many chances to buy the materials and complete the job I had paid for ). Visa gives 118 days to file a dispute from the date of the transaction. This was only 109 days ( within the time frame ). Chase 's dispute team took too long to file it to Visa ( once it was already after the 118 days ) and that is the one and only reason that the Contractor will end up with my money that is essentially stolen. This con-man will " win '' only because Chase didn't file it in time to Visa. I am an extremely loyal Chase customer and it took 5 calls to finally get a supervisor to finally get on the phone only to tell me that it didn't go through only because of timing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX vehicle returned that had a {$0.00} balance and was never late for XXXX XXXX Services. Lender marked account as a chargeoff when the account was being paid and they were able to collect a debt giving the impression that debt could not be paid when we agreed that I needed more time. They rather prevented payments from being made and marked vehicle as a chargeoff. A dealership offered to purchase vehicle and lender refused to accept process but rather cause me financial harm by making the situation worse. Agreement was that vehicle lease would be extended or purchased once home purchase complete. Lender blocked payment through their site as to make account seem late, manipulating an information system to their benefit thereby affecting loan process for home. XXXX has done similar action in the past where I was told {$0.00} balance after signing lease for new vehicle a balance for damage sent to me days later which is fraudulent business practices which went unchecked. Credit bureau agreed and fixed and when I sent more information for further correction switched to support XXXX without considering my account of events basically being the credit bureau for businesses and not the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

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 2023-05-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Forever 21 XXXX Credit Card from Comenity Bank - I stored this card on file for a monthly bill of {$150.00} during XXXX  of XXXX. I soon removed the card from my account and used a completely different card for the monthly bill as of XX/XX/XXXX. I noticed in XX/XX/XXXX that I continued to have the {$150.00} charge on my Forever 21 credit card account even though I REMOVED the card in XXXX, and was already paying for that monthly bill with another card. So I was double charged for XXXX, XXXX and XXXX. Of course the first thing I do is contact my monthly billing correspondant thinking they were the ones charging me. However they did not see the Forever 21 card on my account, just the correct card. That's when I knew it was an error on Forever 21 's end. I called Forever 21 and opened a dispute for the 3 charges of {$150.00} in XX/XX/XXXX. I was notified that I needed to send in proof that I was not responsible for these charges. I sent them receipts showing I paid for XXXX, XXXX and XXXX bills with another card. 

During this investigation, Forever 21 STILL continued to charge me {$150.00} for XXXX and XXXX. I called several times, and was told that since this dispute is all under the same bill and monthly charge, these two other charges will be included in the dispute. 

They finally credited my account in XX/XX/XXXX ( 4 whole months ) of the {$150.00} charges, but they only gave me FOUR credits, not five. Again, I was being wrongfully charged {$150.00} from XXXX to XXXX ( until I had to cancel my Visa card and get a new one just so they would STOP ). 

Since XXXX, I have called DOZENS of time telling me they still owe me {$150.00}. They told me I had to open another dispute even though this was and is all part of the same dispute since XXXX. Every time I call, the agents tell me they need to open up another dispute and that I have to WAIT ANOTHER 90 DAYS. Worst of all - Forever 21 Visa customer care agents do not give reference numbers for calls so every time I call I have to explain the whole situation over again, and I always get one of two answers whether they need to open another dispute or that the dispute is in process.

They are not taking care of this dispute. They did not give me back my money. They still owe me {$150.00} and I have been waiting MONTHS. As a single mom, this has been an absolute night mare. Waiting a
whole 7 months ( who know how much longer ) to get my money back that they took from me is absoutely unacceptable.

The following attachments show the 5 charges coming from Forever 21 ( XXXX, XXXX, XXXX, XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) AND the charges from the correct card I changed my account to ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: MI
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 made several calls, written several letters and sent this same affidavit to Experian and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?

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 2022-05-24
Company: EQUIFAX, INC.
State: DE
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation