BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am fully aware of LVNV Funding LLC unlawful lawsuit and illegal collection practices as there has been many class action lawsuits against them. There is no data listed on my credit report for this account. Attached are copies of statements that I received from LVNV funding but it did not validate the debt. I have had previous history with companies and having to go to court for these same reasons. Which is why I am asking that the debt from my previous complaint be verified in whole before any other actions are taken by myself or LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Ascendium Education Group
State: TX
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:
I am making this complaint against Ascendium Education Solutions because on XX/XX/2023 my student loans were discharged due to the Borrower Defense Case concerning the Sweet v. Cardona ( " Sweet '' ) lawsuit Ascendium Education who is contracted under the Florida Department of Education refuses to give me back a refund because payments were to the loan through offsets and wage garnishments even though the letter clearly says in the borrowers defense letter the following " The benefits do not apply to private loans '' there is no written policy on ffelp loans that states that you can not be refunded or receive a refund! I spoken to XXXX who works for Ascendium Education Solutions in the ombudsman department and ask her to show me a policy on ffelp loans thats states that ffelp loans can't be refunded? I also requested for her to send me a copy of the master promissory letter and school records which she has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Financial Corporation of America
State: GA
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 requested a validation of debt letter and almost a year ago and have yet to receive any documents, they continue to call and I explain that I an requesting a debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2023-11-20
Company: Experian Information Solutions Inc.
State: HI
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 filled multiple dispute about a hard inquiry in my credit report. My first dispute was on my XX/XX/23 and send a secondary lettter on XX/XX/23. Its been more than 30 days. The items are still showing on my credit report. This violate my rights under FCRA.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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: In progress
Consumer complaint received 2023-03-16
Company: ARS National Services, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 ARS National Services Inc attempted to contact me about an alleged debt that was incorrectly owed. As 15 U.S. Code 1692g this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given ARS National Services Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. ARS National Services Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me. Second ARS National Services Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Third ARS National Services Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXXXXXX XXXX XXXX  ( XXXX XXXX. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. ARS National Services Inc shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. I expect there will be no further efforts for ARS National Services Inc to collect on this allegedly incorrectly owed debt. If ARS National Services fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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 am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, Equifax, and XXXX. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to XXXX asking them to remove Several addresses from my report because I only have one address. 

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections! 

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
On XX/XX/2023, I made a couple of withdraws at an XXXX ATM, located inside of an XXXX  gas station ( XXXX XXXX XXXX XXXX. XXXX XXXX, NV XXXX ). The last two withdraws I made were not dispensed to me, both transactions were {$400.00}. I then called the number on the ATM ( XXXX XXXX XXXX ), the agent created two cases for the transactions. The agent then provided me with both case numbers ( XXXX & XXXX ), told me to contact my bank and ask them to file a Regulation E. When I got back into town, I called them that Monday ( XX/XX/2023 ) and they created the disputes and also told me, if they haven't finished their investigation within 10 business days that I could be eligible for a temporary credit while they are investigating. I've called Serve on multiple occasions and they have been telling me to continue wait and keep checking back in. It has been about a month since I've heard anything from them, I haven't even gotten an email. When I called this morning, the agent refused to transfer me to an supervisor/manager, she wouldn't even transfer me to a different agent, and once again they told me I have to continue waiting. This money was my rent money and now I'm not even sure how I am going to make my rent. This has been such a HUGE inconvenience for me. I believe that customers should never get treated the way I've been treated. I just really want all of this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Financial Recovery Services, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, I received a notice from Financial Recovery Services , Inc. ( FRS ) maybe a month ago about a debt from a XXXX card I had not used in a long time. I had previously stopped using this card and aggressively paid the debt off. I do not think I've purchased anything on the card in years. The debt was paid and I pretty much put the card out of my mind. I called the collector and explained this but they said I owed {$6300.00} on the card. I attempted to log into my XXXX XXXX app but could not. I couldn't log in online either, I called XXXX and was told in so many words that the account had been closed and sent to collections and they couldn't do anything with the account anymore. I asked what the charges had been for but they couldn't tell me. They told me that I would have to make a request through the collection agency. So I had FRS request copies of the statements from XXXX who then mailed them to me and I received them this week. The statements start with a XX/XX/XXXX - XX/XX/XXXX period and is filled with charges made all in Ohio. The charges range from restaurants in XXXX to gas stations to movie theatres. I live in Washington State and haven't spent any time in Ohio. This continues to the end of a period that ends on XX/XX/XXXX. Then there are some more statements where late fees are applied and interest but I don't see anymore charges. It seems like this fraud predates these statements though since the first statement has a previous balance of {$1900.00}. I requested earlier statements from FRS yesterday ( XX/XX/XXXX ) but was told that whatever was sent to me was more than they had and it wouldn't be possible to get more. I was told I had to file a police report on the identity theft and add that to my dispute claim with them. When I contacted my local police here they got back to me and said that I should file a claim with the FBI since it happened out of WA state the likelihood of them catching anyone was XXXX. The FBI site then redirected me here. Please let me know of anything else I can do to help resolve this matter. Thank you for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me 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 2024-01-13
Company: U.S. BANCORP
State: CA
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:
XXXX HAS REPORTED US BANK CLOSED MY ACCOUNT UNDER DEROGTORY CIRCUMSTANCES & I CAN NOT OPEN AN ACCOUNT WITH ANY BANK NOW NOR XXXX  US BANK HAVE THE RIGHT TO CLOSE MY ACCOUNTS DUE TO THE INFORMATION PROVIDED WAS INCOMPLETE, IE IDENTIFY THEFT & FRUAD.I SUBMITTED THE AFFIDAVIT TO XXXX WITH THE INFORMATION REQUSTED.

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 2023-04-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023. I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12
Company: SANTANDER HOLDINGS USA, 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 attempted to disput e an issue with Santander USA. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST SANTANDER DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress