BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LVNV FUNDING has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/ XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. LVNV FUNDING failed to present this information to any credit reporting agency before, during, or after the dispute. XXXX also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. LVNV FUNDING has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MD
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-21
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was directed to a company called Amerisave through XXXX in order to apply for a refinancing on my home mortgage. I received an initial quote from Amerisave that was the most attractive amongst several offers. A representative of the company, XXXX XXXX, contacted me the next day to start the application process. At the time of application, they quoted a refinancing package to me that included approximately {$4000.00} in cash at closing, and a rate of 2.75 %. That offer was basically in-line with what had been presented the night before. Based on that, I gave them my credit card number and they charged me an application fee of {$500.00}. A day or two later, with no explanation, they sent me updated disclosure documents which required {$9000.00} in cash at closing. When I contacted XXXX and his colleague XXXX, neither of them could or would explain the {$5000.00} increase in cash at closing. I've tried contacting the company several times by email, once by voicemail, and several times by text message and they won't explain why the closing costs increased by {$5000.00}. They are continuing to try and push me through the process, including asking for further detail on my insurance policy and having an appraisal company contact me, while actively ignoring my questions around the massive increase in upfront costs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Target RedCard/TD Bank continues to incorrectly report 30 day past due payments that are not 30 days past due. Target reported a 30 day past due payment for XXXX when a payment was made on XX/XX/XXXX that satisfied the past due amount. This would have been before 30 days past due. Target also reported a 30 day past due payment for the month of XXXX which I was assured would be corrected by phone representative XXXX when I contacted Target directly on XX/XX/2022, yet never was even when a dispute was filed with credit reporting agencies. I continue to pay the amounts listed on the provided statements from Target but they consistently provide incorrect reports contrary to what is provided on their statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: PA
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:
The credit reporting agencies have been reporting XXXX XXXX  on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the XXXX  to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 have a car loan with 5/3 bank. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX 5/3 contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. 5/3 advised they would call back. They never did. 5/3 filed with the credit  reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a deposit at a Navy Federal ATM, the lesser amount was returned, I was then give this receipt, from their " Navy Federal ATM '' machine. 
I filed a claim. My claim was denied! 
. Now I have a receipt from Navy Federal ATM that is undisputable and witness of, and video surveillance from a major store of this incident happened in. 
How can my claim be denied? 
Come to find out upon speaking with a supervisor at Navy Federal. I  was notified that the Navy Federal ATM 's are not owned and operated by Navy Federal The agency that owns and operates the Navy Federal ATM 's, make their own reports of the activity of the ATM 's This allows them to have the ability to make false statements about money deposits though their ATM 's. 
The agency reported no overages of money deposited within the ATM. 
Sounds Strange when I have a receipt from the their machine that I deposited money and clearly states that my money was not returned by this machine now they can't find my money!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I requested XXXX with XXXX XXXX XXXX close my account over 90 days ... they kept charging me late fees and lying saying they were closing the account also with the XXXX card through XXXX .I would like to be reimbursed for late fees I have paid since my accounts were not closed 90 days ago as requested. XXXX took over the XXXX XXXX XXXX account without my knowledge, ... I have received another late fee and unknown charge for my XXXX XXXX XXXX card.

XXXX is deceptive and is stealing from me by refusing to close my account timely and charging me fees. I would like the fees and charges refund to me since 90 days ago ... when the initial request was made they threaten by harming my credit score if I did n't pay fees I know I did not accessXXXX XXXX XXXX XXXX ... phone number associated XXXX XXXX XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a information from XXXX XXXX, that`s my social security number received a collection account. Account balance : XXXX $ From Southwest Credit System, and original creditor is : XXXX. 

My plan is form XXXX Since XXXX. 

I went on XXXX XXXX store, today ( XX/XX/XXXX ), They couldn`t find anything in my social security number, The Southwest representative said, the XXXX doesn`t have any information about this debt, but the Southwest have it. That`s crazy. 

The " unpaid '' bill was in XXXX. 

I`m trying to get the original bill from XXXX XXXX, but XXXX XXXX  doesn`t have the bill. The Southwest Company always said tha`ts will send to my address, but i never received anything about that. 

The other thing is, the Southwest representative said the original amount is XXXX ... So they are charging XXXX? 

I`m trying to loan a new car but my credit was not approved because this collection, where no body have the original bill. 

Just check the reviews from this company ... they do not have good behavior on the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an acount at with the 5/3 rd bank in XXXX, Il I have a business account and personal the business account is the the account I have problems I tried to withdraw money and and couldnt not due to bank errors I still havent recieved any cash

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date Reported- XX/XX/2018 Consumer-LVNV FUNDING LLC Open Balance {$600.00} THIS IS NOT MY ACCOUNT. I HAVE DISPUTED NUMEROUS OF TIMES TO HAVE THIS RESOLVED AND EVEN CALLED THE COMPANY. PLEASE HAVE THIS REMOVED ASAP AS IT IS TARNISHING MY CREDIT/FICO PROFILES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$100.00} from Creditor : 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 an account without my written instructions.

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 2019-04-10
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my account was closed by Pnc they froze all my funds I called them to see what was going on they told me it was up to the bank to end the relationship so I went to the branch where I opened the account I spoke to the banker that opened my account he spoke to one of the departments and he was told It was an issue verifying my information he explained it was a typo on his end asked if he could fix the issue and have my account remain open or release my funds to me they also told him no so on XX/XX/XXXX I spoke with XXXX XXXX from retails she acted as if she could help me or better assist me but then she turns around and says sorry its nothing more she can do my account is closed I have to wait 7-10 business days for a cashier check then on XX/XX/XXXX I spoke with some from the retail department because I had a XXXX sent to that It was for XXXX $ and it says pending so I called and they were like your account isnt closed its on hold and Im like last week I was told it was closed and he reassured me it wasnt so at this point Im seeking a lawyer because my account was closed because of error made by the bank also my funds was taking away from me during a pandemic and Im a mother of three and I have bills to pay also I was told my funds couldnt be released to me because it was closed then to find out its not is wrong because when I was at the branch they could have given me a cashier check then

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX XXXX XXXX got a copy of my credit report without my permission ON XX/XX/XXXX XXXX XXXX XXXX XXXX  got a copy of my credit report without my permission Please investigate and send me a letter of what investigation you used to verify these inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I being receiving excessive amount calls throughout the day. They also reported to XXXX  as a collection affecting my credit score. I wrote them a letter asking for Debt Verification with no answers. I also tried to obtained more information about my debt and make sure they were charge the right person since the amount charged its super high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Commonwealth Financial Systems, Inc.
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 information incorrect

Complaint:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with COMMONWEALTH FINANCE with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
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:
Please forward the information to Citi/ Macys Store Card . Thanks!

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 2017-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have verbally disputed with Experian representatives for the past 3 years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about the appearance of a XX/XX/XXXX bankruptcy-chapter XXXX case on my credit report although the case was dismissed right away, like no case being filed. However, on XX/XX/XXXX annual credit report this case still appears with the note as the result of being disputed, and I was instructed to mail in my dispute letter with the bankruptcy court 's dismissal order in order to have it removed in 7 business days ; therefore, I mailed the attached required document to Experian and followed up this morning with XXXX XXXX and her supervisor, XXXX XXXX of Experian Disputing Department, but they told me that once I filed the bankruptcy case either it was active or dismissed, the chapter XXXX bankruptcy still is on file until XX/XX/XXXX ( 7 years ) by laws. I was upset because this was the first time I was verbally disclosed this information as opposed to other Experian agents, and the dismissal bankruptcy case hurt my Credit Score badly. Therefore, I need your help to remove it from my credit report. 
Your consideration is gratefully appreciated. 
Sincerely, 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 2017-05-18
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended   XXXX   XXXX   XXXX   XXXX   campus from    XXXX   XXXX  -  XXXX   XXXX  . The school had me take out a Genesis Loan. When the campus clos ed i was still paying on my  Genesis lo an, when genesis closed down they changed to another company that i cant remember the name of and then changed again to   XXXX   XXXX   XXXX   (  XXXX  ). My g enesis Loan  was approximately {$4900.00}. Currently through  XXXX  i owe {$4300.00}. I tried explaining to  XXXX  that a school made me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do defferments so i was going to have to find a way to pay for the loan. I currently get  3-4  calls per day from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
A bankruptcy is listed on my credit report. I explained in detailed on my attached letter what exactly is going on. I only communicate in writing with the credit reporting agency in case I need to file a civil case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paypal claims that I submitted a chargeback and is billing me XXXX to cover the XXXX chargeback amount, plus a {$20.00} fee. They have sent me emails saying " this is an attempt to collect a debt '' but they refuse to verify/validate the debt or provide any evidence that the debt is actually mine. I did not file a chargeback, and have asked them to dispute within theb30 day window, despite them not advising that the 30 day window was there. I asked for a written validation of the debt with an itemized list of what was being charged, and why they believed I owe it. Paypal refused to provide validation saying that they do not have a way to provide that information. While I wish this could be explained through a scam company, all of this transpired directly through the paypal app 's secure message center. They refuse to verify the debt, or allow me to dispute it. They have also forcefully taken the money they claim I owe from me, without my consent and refuse to return it.

Company response to consumer: Closed with explanation