BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I would like to make a complaint against LVNV Funding LLC and XXXX XXXX XXXX. I have sent a request for the creditor collection agency to validate the debt they are claiming. The company in return went and filed a lawsuit against me in Covit-19 and has a pending status on me. They have not responded to my request for debt validation and are still sending me letters to pay a debt that was not verified. Now I am being harassed by lawyers to defend myself against this unvalidated debt. I have also requested the 3 credit bureau to take action to have the debt verified and they just sent me a statement saying that they will not remove it and is updated.

I found this action to be taken against me to be very ridiculous and out of order that I came home to hear that I had police knocking at my door than leaving an orange sticker at my resident door saying this is a civil matter call me. I looked up the code that was listed on the sticker and seen that it was the same company that I asked to validate this debt. 
I have also had XXXX XXXX XXXX not verify their debt as well and have taken the same measure with the 3 credit bureau to have this debt to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Credova Holdings Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credova told me in XXXX that my last payment was in XXXX. In XXXX they send me a notification that they were going to debt my bank account for another payment of {$160.00} They didnt debit my account and instead are coming back saying I owe them another XXXX. So they didnt take the money and instead are calling me 3-4 up to 5 times a day saying they have sent me to collections and need to resolve the issue. This isnt right, they were supposed to debit my account in XXXX and didnt and are now treating me with reporting to credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase from XXXX and XXXX closed my account because XXXX told me that my account had been hacked and reopened after a week and then I made the same order again and this order was lost and I went through Customer Service and XXXX gave me a credit and then they bill my account that twice for the same item which was never delivered and I had to order again and XXXX charged my account again for this item and this item a camera was finely delivered almost a month late I have contacted XXXX on this matter a few times The problem started on XX/XX/2019 and has not been resolved to this day the XX/XX/2019 XX/XX/2019

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 2023-09-25
Company: Experian Information Solutions Inc.
State: KY
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Chase-Amazon credit card which I paid the balance off in XX/XX/2023. And the company acknowledges the payment in full. However, they continue to charge me interest in XXXX and XXXX with a fully paid balance. I have on multiple occasions requested credits for interest they continue to charge me, and they say NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried NUMEROUS times to fix inaccuracies on my consumer report with EXPERIAN. However, they come back " verified. '' report number : XXXX They are willfully in violation of the FCRA over and over again. Pursuant to 15 USC 1681a ( XXXX ). Provide me with the names of my neighbors, friends, or associated with whom you personally interviewed. 

EXPERIAN is committing criminal activity 18 USC 242. EXPERIAN IS providing information to anyone/company who pays to see my personal information violating my FOURTH AMENDMENT RIGHT. 

I would like to make it clear to EXPERIAN and those in position of Authority at EXPERIAN that congress makes it clear that the banking system is dependent upon my consumer report being fair, an accurate. Pursuant to 15 USC 1681 ( a ) ( XXXX ). Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress also made it clear that EXPERIAN is an elaborate mechanism with no real standing or authority. EXPERIAN was not given this role, EXPERIAN ASSUMED this vital role, and because of the assumptions of this company, my life has been negatively affected causing me hardship, XXXX XXXX and XXXX. 
Pursuant to 15 USC 1681 ( a ) ( XXXX ) You were unfair in reporting this erroneous information without first consulting with I, the consumer. You have no proof of any transaction ever taking place. 

EXPERIAN also has inaccurate addresses and names on my report. The inaccurate address must be removed as per the FCRA since they are not deliverable to me via usps mail. ( these are also stated within my attachment ) I have also sent to attached letter to EXPERIAN, and XXXX XXXX  ( registered agent ) via certified mail numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN

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 2018-12-19
Company: BANK OF THE WEST
State: CA
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:
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union. 

I am requesting that Bank of the West remove the hard credit inquiries from my XXXX  and XXXX credit reports. 

I will pursue legal action, if necessary, to request the inquiries be removed from my credit reports.

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 2023-02-08
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$280.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} ; XXXX SELF-REPORTED XXXX Balance : {$190.00} ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/XXXX and XX/XX/XXXX XXXX it's more than 60days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Case Description : ***REFUND NEEDED***. Zero calls NOR emails answered EVER SINCE THEIR " FAILURE '' On XX/XX/2021 I contracted with this now seemingly scammish thieving entity to be this new " broker '' thing to procure my relocation packing loading & moving from XXXX, NM to XXXX NM & paid their required {$1200.00} deposit on a {$3000.00} quote for their locating/binding a crew truck/ carrier by the agreed to window they offered of XXXX XXXX XXXX, 2021 All month whenever I had any questions they barely ever answered their phone ( perhaps every 3rd call ) & NEVER returned any calls or emails ever ... eventually proceeded thru the countdown steps the last 2-5 days prior the QA call that had to be repeated after the last weekend of XXXX when the girl XXXX disappeared amidst a virtual video I wanted to show them how downsized my move had become after selling & giving away so much & all major furniture! XXXX the QA supervisor said Mon the XXXX that all was well & a crew HAD been secured with final info XXXX hours before window begins XXXX or XXXX then makes a 5-second voice msg & 1-2 sentence email telling me " SERVICE FAILURE HAS BEEN CALLED, refund in full of my deposit by US mailed check of {$1200.00} within 2-3 weeks time ''!!!! Really? Ditched me ONE DAY ON XX/XX/XXXX before the 3-day window which was days prior to my " must vacate by '' date of my apartment???? Horrible enough!!! No explanation except " we never found a carrier at that price quote the entire 4 weeks! '' really?? I had been told the reverse of course more than once whenever I called and they ANSWERED So I had to find another broker ( ironically turned out to be XXXX XXXX XXXX w/ an address RIGHT NEXT DOOR AT XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL ! Wow! They got a carrier ( XXXX XXXX XXXX ) in a day and a half at a quote raised to {$4200.00} ( XXXX to {$6900.00}!!! ) anyway STILL NO REFUND SENT BACK TO ME OF {$1200.00} never mind any resultant damages above to say higher costs under time pressure and zero calls answered!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: MONEY SOURCE, INC., THE
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX  and my wife is XXXX. We bought our house in XXXX XXXX Kansas in XXXX with an FHA loan. We had a lot of problems because of Covid that led to loss of income and problems with our mortgage payments. We asked the lender Money Source for help but they never provided any relief and we now find ourselves in foreclosure with a court date scheduled for XX/XX/XXXX. We are back on our feet and can afford our mortgage payment, the problem is that XXXX XXXX  told us we have to pay back {$7000.00} to them in one payment ( this is missed mortgage payments and legal fees ) and we can't do this. We believe they should be working with us to provide help for struggling homeowners since this is a government backed loan instead of refusing to accept our payments and starting foreclosure. 

We had no problems with paying our bills or making the mortgage payment until Covid affected my job and my income which was overwhelming, then the utility bills skyrocketed and the power got turned off and my wife took out a car title loan and then a high interest internet loan to try and keep paying the bills. We did miss some mortgage payments, but then my wife would pay the next month and include extra to get caught up. She asked Money Source for help and we were told to send in paperwork about our hardship. She sent documents in probably 4 different times and I don't believe we were ever considered for a loan modification or partial claim or forbearance. Around that time the pipes burst in our kitchen. We were without water for almost 2 weeks. We could not afford to hire a plumber so I took time off of work to remove the dishwasher and repair the plumbing so we could get the water working again. This cost us at least a thousand dollars in missed time at work and parts to repair and just put us in a deeper hole. 

We are back on our feet financially and have continued making our regular payments and paying a bit extra when we can to catch up the past due and the lender has always accepted these payments from us as recently as XX/XX/XXXX. But when we tried to make our mortgage payment in XXXX XXXX XXXX told us that they would no longer accept our regular payment and that we needed to make a lump sum payment of {$7000.00} to pay back all of the missed mortgage payments, interest, late fees and legal fees. Then they served us with a foreclosure notice and scheduled a court date. This is an avoidable foreclosure. Our hardship was related to Covid and since we have an FHA backed loan Money Source was supposed to offer us the CARES forbearance and this did not happen. Money Source is also required as a servicer of an FHA loan to consider us for all homeowner assistance programs such as loan modification, special forbearance, partial claim and repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
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: Was not notified of investigation status or results

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name & Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 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 : 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 XXXX 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 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 2021-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXXXXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is a result of idendity fraud. I have not sign a contract with LVNV Funding and have not given written permission to contact me. According to 15 USC 1681 ( a ) ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and The company has listed a fradulent negative account on my credit report.

Company response to consumer: Closed with explanation