BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a print out of alleged debt by lvnv funding I sent them debt validation methods on XX/XX/2019 by certified mail and they failed to send adequate proof of my legal obligation to pay a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TD BANK US HOLDING COMPANY
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 a TD bank credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my TD bank mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called TD bank and they said I should file a dispute with XXXX and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called TD bank and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13
Company: Bread Financial Holdings, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
purchased a software to recuperate my data off my cellphone and XXXX computer off XXXX The software is 100 % warrantee according to developer. But paypal credit would n't return my money since they said the license purchased is valid. I know the license is valid but the product is useless and does n't work as intended. The company is based on XXXX XXXX and they do n't answer back to their tech support inquires. <P/>Theres a middle company named XXXX which process the licenses and payments ( XXXX XXXX XXXX ) with address as follow : XXXX Corporate Office See on Map XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Either PayPal credit or XXXX it 's willing to return my money back. Both companies has been provided with the error code : XXXX XXXX Status.plist not found. <P/><P/>the orders were as follow : XXXX XXXX {$19.00} XXXX XXXX {$34.00} I feel PayPal credit is not actin fully to the extend of law or handling the claim as it should : " Item not as described ". Need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

1. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 3. XXXX - XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My xwife held a XXXX on me and had me open lines of credit with USAA.com. She got the money, not me. After years of therapy I have finally been able to tell the truth. I filed an identity theft report with the Federal Trade Commission XXXX XXXX department and they still will not remove these two loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After being discharged from bankruptcy on XX/XX/XXXX. This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of XX/XX/XXXX thru XX/XX/XXXX. None of which is true. I have lived in the same complex since XX/XX/XXXX. They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??

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 2019-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

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 2021-09-17
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with TrustMark national bank on Friday XX/XX/2021 Saturday morning XX/XX/2021 I deposited my paycheck through a mobile bank app and the bank has put a hold on my money and as of today XX/XX/2021 the bank still has a hold on my money. I have complained to the bank personnel and he told me theres nothing he can do. I need my money!

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 2019-10-03
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: Personal information incorrect

Complaint:
XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I checked my credit reports to ensure that there were no surprises prior to applying for credit to purchase a car ( I am a recent college graduate and will be starting a new job in a few weeks ). Appendices " A '' and " B '' show that as of XX/XX/XXXX, Source Receivables Management was not listed on my credit report and I had not received any documentation from them concerning the debt that they claim I owe to XXXX. On XX/XX/XXXX, I was alerted by my credit monitoring service that a new collection had just been added to my credit report. Upon my requesting my credit reports again, I discovered that Source Receivables Management was assigned this file ( Appendices " C '' and " D '' ) on XX/XX/XXXX, but I have never been contacted by them or given the opportunity to dispute the debt prior to it being reported to XXXX  ; XXXX  ; and XXXX, thereby damaging my credit history and score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/19 at XXXX. Weltman, Weinberg, & Reis called my workplace from phone # XXXX. I just happened to be the person answering the phone AT MY WORKPLACE. They asked to speak to XXXX XXXX. I asked, may I ask who is calling & she said " This is XXXX with Weltman, Weinberg, & Reis " I hung up & felt harassed because they are attempting to contact a debt that i have with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX CXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX FINC Account Number : XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed this fraudulent credit item with XXXX Report Number : XXXX who states item verified. The company was unable to submit verifiable documentation of the debt. Submitted notice of possible violations to all parties ( XXXX  & Its Client Data ) FCRA Section 1681 ( C ) ( 1 ) ( 6 )  FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines. 

COPY OF NOTICE SENT ALL PARTIES ============================================================== CONSUMER COMPLAINT NOTICE! 
FCRA Section 623 VIOLATION!!!!! 

FCRA 5 U.S.C. 1681s-2 FURNISHER VIOLATION!!!!! 
( 15 USC section 1681e now being enforced pursuant FCR 15 USC section 1681i ) PUBLIC LAW 910-508 Title VI CCR/Sec.617 MORTGAGE LOAN PENDING!!!

( Principal amount in excess of {$50000.00} ) Final NOTICE! ( XXXX  & Its Client Data Reporting ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines RE : XXXX Report Number : XXXX This letter is a request to have the below listed accounts re-investigated, corrected, the reporting creditor denies having been contacted by this bureau in reference to this issue. Moreover, the reporting creditor is unable to provide verifiable documentation of reported debt to XXXX. Pleas removed this negative item from my credit files, and all unauthorized inquiries updating credit file with these corrected changes ASAP. These incorrect items is affecting my credit score which has caused problems with acquiring mortgage financing approval for my home purchase, and also, there may also be a violation of 15 USCS 1681e, including FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} {$2500.00} statutory fine. Send names and addresses of persons recently contacted with 30 day. This information needs to be corrected before my mortgage loan go into underwriting as soon as possible. Please mail me an updated copy of my credit report including credit score to submit to my loan officer. Moreover, Im requesting that all unauthorized inquiries be removed from my credit files as soon as possible. Thanks! 
Cordially, Consumer Attest/Signature : XXXX XXXX Cordially, LOAN CLOSING DATE : XX/XX/XXXX XXXX XXXX SSN # : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ga XXXX cc : Consumer Complaint Board Consumer : Creditor Name Acct # Comment PORTFOLIO RECOV ASSOC XXXX. Not Mine XXXX XXXXXXXX XXXX Never Late Inquiries XXXX Remove All Unauthorized Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
my auto loan account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 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 2022-02-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
An account is reporting to my credit file under XXXX as a secured credit card with a maxed out balance, open and always paid on time. This account is now paid in full, closed and always paid on time. Attached to this complaint is a copy of my last credit card statement from XXXX showing the account is now paid in full, closed and always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing is charging me forced place homeowners insurance even though I have provided proof of insurance. They refuse to credit my account and now I have to pay over {$4000.00}. I am not able to make these payments. Can you please help me? The mortgage company did not have my correct mailing address on file and this was confirmed by the customer service rep I have been in contact with. I never received any letters requesting proof of insurance since they were mailing to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ID FRAUD VICTIM. FRADULENT APPLICATIONS HAVE BEEN USED TO GAIN CREDIT AND OTHER ACCOUNTS IN MY NAME. FILLED XX/XX/XXXX FOR  SEVEN YEARS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal Credit XXXX Synchrony Bank ) refuses to communicate to PayPal that a dispute with XXXX XXXX has been cancelled due to the fact that XXXX XXXX has agreed to refund the amount for {$XXXX} as long as there is no dispute open either on PayPal Credit or in PayPal. And PayPal Credit alleges that they have no relationship with PayPal even though they act as sole beneficiaries of the interest charged on monies owed so it is in their best interest not to proceed with due diligence and charge customers for monies and interests that not owed.

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 2017-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
WIthout notice or reason USAA closed my checking account. Prior to this they restricted my online account access preventing me from transferring money or using the bill pay service. However a rep went through the charges on my account to verify over the phone. As my online account access was frozen in XX/XX/XXXX   , preventing me from using the bill pay or electronic transfer services provided with the account. I requested further information regarding an ACH Debit on  XX/XX/XXXX     as it had no identifying information, and it would have been impossible for me to initiate the transaction electronically. The ACH was for {$4000.00}. To date I have not received any information regarding this ACH debit.  <P/> Additionally, USAA charged me an {$8.00} fee to send me a check to provide the funds which were held in the account for months. As they closed they account they should have provided my funds without a service fee and as soon as the account access was restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation