BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account FRONTLINE ASSET STRATEGIC with a balance of {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received my XXXX credit report and noticed inaccurate reporting on my file. 

You are reporting this collection account as an XXXX XXXX XXXX XXXX as well as a PAST DUE BALANCE, which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletion has been removed. 

ACCOUNT NAME : XXXX ACCOUNT NAME : RESURGENT RECEIVABLES LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On or about XXXX of 2021. I had canceled my credit monitoring and alerts services with Experian. They even sent me an email claiming that stated " you cancelled your Experian membership ''. However, shortly thereafter Experian started charging my XXXX XXXX credit card account without my permission. Even though I had canceled my membership with them, they continued to charge my XXXX XXXX credit card without my permission. I have tried to contact Experian many times via their 800 number as well as online and they never respond. When you call their 800 number they ask you to verify random information that they claim isn't my authentication information only to be hung up on after being put on hold. Sometimes they just hang up. Since XX/XX/2021 they have continued to charge my credit card even after my credit card declines their charges, somehow they continue to get approval through 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 monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: MI
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 Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the past several months, I have been unable to initiate an online dispute with the Experian credit bureau. I have noticed that whenever I call, the representatives ( a ) rarely listen to my concern ( b ) often transfer me to another department that does not help ( c ) or, they flat out lie and tell me that it is another issue and offer to take the dispute over the phone. 

There are multiple inaccuracies on my credit file which have negatively impacted my credit file. I have initiated a few disputes with representatives online but have no evidence/confirmation/statuses of those disputes. ( my wife has been able to initiate an online dispute successfully with full access to all features ). 

The membership that I pay for allows me to view my report. The report has an option that allows me to initiate an online dispute, but when I click on the option, I am constantly getting an error message instructing me to call. The representatives are mildly demeaning and rarely listen. 

I am often transferred or left on hold but overall, completely ignored.

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 2019-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My new Chase card came with an offer. Spend $ XXXX within 3 months of account opening and we'll give you XXXX bonus points. 

Chase sent my card to a PO Box , even knowing that a PO Box would get bounced back in the mail. So I called and gave them my physical address. But they sent it to the PO Box again. So it never made it to me. 

So I called again, gave them my address, and they sent it to the PO Box AGAIN! At least, this time they used XXXX and it made it there. 

So 3 times to the wrong address, and a month and a half later, I have my card. I was told by customer service they can take a look at extending that introductory offer window. They said marketing will take a look at it and give you a decision in 7-10 business days. 

A month later, no answer. I call, and the customer service rep re-escalates. Here we are, again 10 business days later, and still no answer. 

They haven't lived up to their end of the deal, why should I pay my balance? But what is my recourse?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 n i made this clear for 60 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 us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-05-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My load was sold to Specialized Load Servicing in co. Ever since the transfer, back in XX/XX/XXXX they have called every month about my loan. My loan is due the XX/XX/XXXX of every month, and late after the XX/XX/XXXX. I was on auto payment, and they did not call. I removed that service, and now they are calling everyday. They are complete XXXX. They seam to ignore the terms of my original XXXX XXXX Loan, which by law they have to follow.

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: 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BARCLAYS BANK DELAWARE
State: MI
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:
If you look at my account in XXXX, I had a XXXX balance. In XXXX somebody had found my card and decided to use it without my knowledge without my permission. I am mediately called you. I reported every transaction in XXXX. Let me repeat that I reported every single transaction in XXXX as fraud. I was told not to worry about it you had marked everything is fraud and you were going to investigate. Two months later I received a letter from you stating that the fraud investigation had been resolved and Im not responsible for anything. For some reason I have a balance of {$2400.00}. You have been charging me interest for the fraudulent transactions which Im pretty sure its against the law. Youve also charged me the late payments for the fraudulent transactions again pretty sure thats against the law. Im not sure if youve increased my APR or not to a penalty rate because you claim I am behind. First time I called today I was speaking with a woman. I explained that I had a XXXX balance. Then I had fraudulent charges after they were investigated. I should have a XXXX balance, but I dont for some reason. She put me on hold and then hung up on me. I called back. I got a gentleman this time who was clearly confused by what I was saying. It seems so simple. Its obvious that you have not credited for me and I shouldnt be charged interest in late fees on a fraud investigation. He put me on hold multiple times then tells me I should contact customer service keeping in mind that I spoke with customer service and they were the one that transferred me to the fraud department. The fraud department wanted to transfer me back to customer service. The automated system said that the call is being recorded and monitored or maybe the agent said it was being recorded and monitored. If thats actually true, you should go back and listen to this conversation. Im being is polite as patient as simple as I can be, and Im clearly confusing the guy With all due how did this guy get his job? Hes really nice but clearly is clueless as to what hes doing.

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 2018-03-05
Company: EQUIFAX, INC.
State: FL
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:
Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Resurgent Capital and told that if I paid the agreed amount that they would remove the debt from my credit report and cease all legal actions. I paid as agreed and have sent them copies of the cashed check via fax and by mail. They still have yet to honor the said agreement. As I continue to get requests to settle said debt and it is still reporting to all three credit bureuas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Trident Asset Management, L.L.C.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We received a complaint from a debt collection agency called.Trident Asset Manager for a check written to XXXX XXXX over five years and 10 months ago. The check was for {$52.00} and was presented to our bank and the bank paid it two days later. It was a valid check and Trident continues to claim it was a bad check. I have called them several times. They want our bank account number, date of birth and the last four numbers of our social security numbers. They refuse to provide a case number/account number until they receive the personal information they requested/demands. Per the CFPB website, we are advised not provide personal information to a collection agency. I personally believe they don't have a number or a check number, if they did, they would have the check number. I have written them twice a year for the past three years with no answer. I began calling them which has been to no avail. They started hanging up on me for the past two years.

In addition, there are two other gentlemen with my name, neither are related to me. I also plan to write XXXX XXXX and the local XXXX XXXX XXXX. We would certainly appreciate your help. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Atlanticus Services Corporation
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a final payment 2021 to fortiva. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief