BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV has appeared on my credit report for alleged debts owed. I have written multiple letters requesting validation of debt, including original contract, signature, amount owed, etc and they only respond with summary of what is already on the credit report, no real information, nor the information requested. Additionally I was surprised with a wage garnishment from one of them when I had NEVER been given a dispute opportunity much less the opportunity to go to court and dispute anything or even ask for proof of debt in court which I am confident they can not provide!! To make matters worse since the garnishment was put in place they are still reporting to the credit agencies late fees, interest etc and total is increasing regularly. I have now paid almost the entire thing off via garnishments and they are not reporting said payments, only increasing the amount. 

The garnishment paperwork sent to my employer also required them to send over my bank name, account number and routing number which they even said in 30 years they have been doing garnishments, they had never been asked for. I have written, called and emailed LVNV, the lawyers in OK handling the case asking why I was never informed, asking for proof and wanting to know why my personal bank information was required to be shared and I can not get a response. 

I feel like my hands are tied since it already went to court without me and I am already being garnished but can not help but feel they are doing alot of illegal activity or at the very least immoral. None of the rules have been followed, my personal banking information has now been shared and none of my payments on this alleged debt are being reported. 

Since this has taken place it appears as though LVNV is now on my credit report a total of 3 times, 3 different amounts reflecting due with 3 different account numbers. I have written them ALL requesting the validation of debt with contract, signature, etc and have gotten nothing back. How is it they have so much power and can do so much damange and not be held accountable and still be in business as shady as they are and we have so very little power to do anything about it? Not everyone can afford lawyers to fight these times of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
NOTE : This is not a new complaint, I simply wish to amend my response to an existing complaint ( XXXX ), but there does n't seem to be a facility to do so online. 

Anyway, in addition to the fact that I was not notified of the rate increase on my credit card account, I would like to note that when I did eventually notice the increase ( after almost a year ) and inquired about it, the rate was immediately changed back to the regular rate. While on one hand that is obviously a positive thing for the consumer, it goes to show that American Express 's strategy to maximize revenue is to charge a huge rate, *until the customer notices it*. This strategy is consistent with them not being motivated to notify the customer of the rate interest in the first place ; it is obviously not in their best interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with TD XXXX XXXX in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested and they did not even remark the account as disputed. They simply ignored my reques. This is a violation to the FCRA because they are reporting incomplete information. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from the three major credit bureaus. Account is the following : 1 ) XXXX XXXX XXXX. Date Opened XXXX XXXX, XXXX Credit Limit {$5700.00}. Status : Closed. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : Letter sent to TD XXXX XXXX on XX/XX/2019 and FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Addendum to XXXX API recovery and it representative XXXX XXXX XXXX XXXX XXXX has some how got possession of by cell phone records. They have called previous employers, friends and relatives who have never been included in any credit application at any point in time. 
They have impersonated attorneys and have claimed that I am in legal trouble and they are trying to stop criminal proceedings against me. 
I have at least 8 witnesses who have been contacted or have messages left about sensitive personal matters or that have been left on phones of friends and family that will show that XXXX was impersonating an attorney and threatening criminal action against me. 
I have received no correspondence from them. 
I have attached photos of a message that was left on my ex EMPLOYERS cell phone. I can make the recording available directly from my employers cell phone if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: MN
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 Experian Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX 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 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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 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 2017-08-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a member since XX/XX/XXXX and when up until a few years ago I had a fixed APR for purchases of 7.99 % they raised it to 10.99 % fixed APR a few years ago which I was not happy with but was still okay with it. Now today XX/XX/XXXX I just received a letter telling me they were going to raise my APR to 17.99 % variable based on the prime rate. I feel that is just unacceptable and I feel is totally unjustified due to the fact I have never been late on my credit card payments or have not had any over limit fees and according to them I have an excellent FICO score. I am currently caring a pretty high balance on this card but have always been prompt to make my payments on time and have been paying them the trailing interest at the 10.99 % fixed rate and will be hoping this change will not be able to effect the 10.99 % fixed rate on that trailing balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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 2019-08-22
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The incident/phone call in question began @ XXXX XXXX on XX/XX/XXXX So tonight at approximately I received a phone call from my mobile device at XXXX XXXX, I ignored the number as it was listed as " unavailable. '' I work in a XXXX and at XXXX XXXX, an employee from another unit brought me a piece of paper that information containing a name and number : XXXX XXXX was the name and the number was XXXX with an extension of XXXX. I called the number not knowing who would be calling me. XXXX answered the phone and said he was from Midland Credit Services and stated that he was reaching out to me settle a debit of a little over 600 dollars from a XXXX XXXX credit card. He told me that the card was opened up back in XX/XX/XXXX and the last charged used on it was in XX/XX/XXXX. I informed that I have never owned a credit card. He put on the phone with his manager next. I honestly do not recall the manager 's name. He verified my address, my last 4 numbers of my social security number. I insisted that I have never owned a credit card and he began to try and convince me that my wife could be trying to use my information or try to steal my information. He had stated that the last purchase used with this card was at our local XXXX. I again said I do not own a credit card and he said this could negatively affect my credit and I need to get this resolved asap. I went on the offensive and said I find it shady that a credit collection agency would be calling me at XXXX. He said we are the largest debit collecting agency in the United States and insisted that I look up the information on XXXX XXXX and he offered to read the credit card number out to me over the phone. I hung up and called my wife. My wife insisted that she has never owned a XXXX XXXX card and told me to not speak to them and just hang up. I hung up with her and Midland called me back. I told them to not call me back again and he still insisted that he " wasn't trying to pull one over on me. '' and that " I'm not some guy living in a basement. '' At that point I hung up on him and blocked the number. I have read online that they are not an accredited company and that they threaten to sue you. I am very worried as I previous said, I have never owned a credit card and for him to insinuate that my wife was being nefarious behind my back, really upsets me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got XXXX Credit Card through a purchase of my new vehicle on XX/XX/2022. Every month I make a payment there is XXXX. I cant login or once they said they didnt get my payment and I paid 2 weeks in advance. Its impossible to login to there site. They want you to go paperless. So when you go paperless you cant get I touch with no one on the phone. This bank deal with poor people or people whos credit is less then perfect. Its so frustrating dealing with them. They dont seem to care about the people. Its like they are trying to make the people fail or fall behind. Were trying to rebuild our credit. I wish to XXXX I could pay them off and never have to deal with them again. I supposedly have rewards points. I tried redeeming them but it can only be done online. Its a catch 22. If I cant get online how do I redeem these mysterious points? 
There are other credit card websites which run more smoothly. This Comenity Bank makes me want to quit. I know Im not the only one. Is there any help? Is there a faster way for me to pay them off. Seriously. No gimmicks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XX/XX/XXXX stating that owed an original creditor an amount. The letter stated that I needed to contact the firm. That the amount stated is delinquent & owed. That there have been no indications that I have made any payment arrangements to resolve the matter. The letter stated I had 30 days to dispute the validity of the debt. On XX/XX/XXXX reiterating the same rhetoric and language. I responded to the letter with my own letter on XX/XX/XXXX in which I disputed the validity of the debt. I requested that they provide me with validation of the debt as well as other remedies required of them by law. On XX/XX/XXXX they responded with no validations and further threatened to sue or litigate matter if I did not provide full payment within ( 10 ) days, together with any court costs, attorneys fees, and other fees which may be incurred. They requested that I call them immediately to theyre office or face legal actions after I requested in writing to communicate only thru writing.This law firm is unprofessional in its conduct concerning this collection matter. I have consulted an attorney and was advised to file this complaint to aide in our defense should litigation occur. I will be responding to theyre most recent letter of XX/XX/XXXX. I will include the all the correspondence between us for your preview. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Last Wednesday the XXXX of XXXX, I submitted a request for a refund on my student loans so that the balance can be reinstated before the XXXX administration begins the rollout process of forgiving loans. I was told the refund may take up to 150 days. However, I'm more concerned about the loans original balance being reinstated. I didn't receive any sort of email confirmation or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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 XXXX and portfolio recovery 's violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently receive a XXXX XXXX XXXX XXXX Credit Card from Comenity Capital Bank, part of Bread Financial. 

Due to website issues it was approx 2 weeks after I received my card before I could register on the website. The company advised this was a known issue.

Once I was able to register and received the first statement, I tried to schedule a payment. There are 3 ways to make payment online : one time payment, automatic payment, and through their EasyPay option. Trying all of these, they all errored with " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. ".

I contacted customer service by phone when it first happened on XX/XX/2023. The agent said he hadn't heard of this issue before and said I should try again the next day. 

The issue persisted and I called again on XX/XX/2023. The agent said the website was having a number of issues and a fix would be implemented over the weekend and to try again on Monday, XX/XX/XXXX. 

The issue persisted and I called customer service again on XX/XX/2023. This time the again said it was a known issue and they plan to have the issue resolved by the first week of XXXX. 

The issue still persists as of XX/XX/2023. I have a payment due on XX/XX/XXXX. It is unclear if I'll be able to make that payment online. 

The company issued me a card knowing their website was not functional. That is irresponsible and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please submit to all 3 credit bureaus as of my first complaint. I've been doing credit repair for over 8 months now and none if the bureaus has contacted me. I know it's a pandemic but its been over 8 months I am requesting all 3 bureaus to remove all negative items on my accounts. As the law and fair credit reporting act states if the bureaus did not communicate in a timely matter all negative items should and need to be removed asap. Also of a creditor or collection is sold to someone else with out my knowledge then that debt is no longer mines. Also due to HIPPA laws no medical records supposed to be shared without writing authorization. Please have all items removed asap.

Company response to consumer: Closed with explanation