BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Spring Oaks Capital, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital LLC responded that they are sending me documentation that they have of the account that I disputed, all that they are providing is a contract with the original creditor, and account statements, first of all I do not or have I ever had a signed contract with Spring Oaks Capital LLC, if they are claiming that they bought this debt from the original creditor. I want to see the contract that they are claiming that they have, I want to see my signature on the contract. Copies of account statements do not prove that this debt is mine, if we have to go to court, which I am willing to, I will ask that my lawyer asks the court to demand Spring Oaks Capital LLC to show me the contract that obligates me to pay them the amount that they are asking for, the contract that they have comes from the original creditor and I am sure that my signature is not on that contract and again, I do not have a signed contract with Spring Oaks Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Information belongs to someone else

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/2022 XXXX XXXX  XXXX Balance : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXXXXXX  XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My wife had a social security payee account with chase her mom was the payee on. Her mom was not allowed to use the account aside from giving my wife her payment, however she used it is her own personal account and over drafted it so badly repeatedly it hit - {$270.00}. 
In response to this chase pulled the overdraft out of my joint checking account I share with my wife despite the fact she has no access to the payee account her mom had been using illegally. We contacted chase snd they refused to refund us the overdraft on the grounds the payee account was in my wife 's name despite the fact my wife had no access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notification from US Collections West on a debt that was due in the amount of XXXX on XX/XX/XXXX for the XXXX XXXX. I asked for verification of the debt. US Collections West responded with documentation, showing that I was in court and had lost the decision. I was never summoned to appear in court, and was never notified of such hearing. I do not believe I owe the debt due to properly terminating my lease with the XXXX XXXX, and moving out at the end of my lease. On XX/XX/XXXX I received another notification from US Collections West saying my debt needed to be paid or I would face another court hearing. I followed up with another letter and no response. I spoke with XXXX XXXX on the phone, who was identified as my debt account manager. XXXX was very condescending and derogatory towards me, and was being very forceful in her tone. On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX saying they would start garnishing my wages. I responded to Mr. XXXX by mail asking him to verify my debt, which I did not receive any response. On XX/XX/XXXX, I received a letter from my accounting department at work stating that my wages would be garnished starting with my next paycheck. I reached out to XXXX XXXX, and she refused to answer my calls. After finally speaking with her, she stated she would only cancel my garnishment if I paid in full, plus court costs in cash. If not, my garnishment would still be active and would be levied. I have never dealt with such an unprofessional person and company in my life. US Collections West is full of scam artists who are just trying to take every cent away from innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, I have an auto loan with Bridgecrest for about {$13000.00}. 

Due to a combination of extreme circumstances, including my job requiring me to go into the backcountry off grid and my father passing away, I missed several of my monthly payments, to the point where I'm about {$2000.00} behind. 

Additionally, while inflation and the cost of living has drastically increased, my salary has remained the same. Given these higher expenses, the auto loan was harder and harder to afford. 

Still, I have saved about {$5000.00} and I am trying to pay Bridgecrest that amount, which is {$3000.00} MORE than what I owe. They are refusing to accept anything other than {$13000.00}. 

Bridgecrest said they " charged off '' the loan and that they want to repossess the vehicle. I asked them multiple times for a reinstatement quote and they refused. I asked them if I could pay {$5000.00} to them immediately, and they refused. If I lose my vehicle I will lose my job, i absolutely can not lose it. All I want to do is pay what I owe and they won't let me.

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 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2019 - all my BOFA accounts were closed due to a banking decision. I respect it but there is an error and I did not do anything wrong. I paid for everything on time - nothing bad. I want to discuss with someone why I get blacklisted. Please contact me.

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 2023-03-01
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: Personal information incorrect

Complaint:
Unidentified address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, I applied for XXXX XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call XXXX in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 2020-07-14
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was scammed and I contacted cash app and they didnt do nothing to solve the problem and said, that I was aware and had been in contact with the scammer. I was scammed out of {$420.00}. This happened on XX/XX/XXXX. It took cash app a few weeks to contact me back. They gave me some documents to fill out and send back. I did just that explaining what happened and they basically told me I was lying and I knew the scammer. Which is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TSI i s reporting account number  XXXX  on my credit report after it was paid. I was told it would not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for the homeowners assistance program in XX/XX/XXXX and have been receiving payments since then. My mortgage company was recently sold to Shellpoint and I am missing mortgage payments that HAF has said they have sent to Shellpoint. I am given no answers when I call and talk to Shellpoint and I am in fear of losing my home. I need answers as to where my missing payments are. My mortgage payment was due on XX/XX/XXXX and HAF informed me that they sent the payment of XXXX on XX/XX/XXXX. Shellpoint can not locate the payment and will not apply it to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This consumer filed complaints with the CFPB against XXXX XXXX XXXX and Cach llc.  XXXX XXXX XXXX answered first and in their response indicated that Cach llc declared chapter XXXX bankrupty and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to it's complaint against Cach llc was from resurgent capital services and no where in their response did they indicate there had been a bankrupty and that this consumers judgement debt had been sold. Cach llc/resurgent capital services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and resurgent capitals response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended cach lls ownership of the debt. 
Subsequently XXXX XXXX XXXX on behalf of cach llc filed a writ of garnishment against this consumer in the XXXX district court of XXXX XXXX mi. This consumer objected in part due to the lack of an assignment. A hearing on the objection was held on XX/XX/2019. the court adjourned for 30 days to give cach llc time to get the assignment as required by the statute of frauds in michigan. At a hearing held on XX/XX/2019 an individual who did not clearly state his name and did not state his P number on the record appeared on behalf of cach llc still without an assignment and indicating that XXXX XXXX XXXX bought the debt to which he and Judge XXXX XXXX agreed to. Judge XXXX XXXX changed his opinion on the plaintiff needing an assignment to the defendant needing to prove that cach llc and its portfolio  was sold to resurgent capital services in a chapter XXXX bankruptcy which the defendant has procured from the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING LLC reported that I owe a debt with XXXX  XXXX XXXX XXXX XXXX XXXX  for the amount of {$560.00} on XX/XX/2022. I never received a notice of my right to dispute. Neither company has ever verified the debt. I have never had a contract with LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021 I wrote a letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.

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 2023-06-26
Company: LEXISNEXIS
State: AL
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:
I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT AND THERE RESPONSE IS ENCLOSED. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER A ERROR OR A LIE. 

EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSOMUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XX/XX/2023, I've sent several letters to Lexis Nexis about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies XXXX I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$300.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ), XXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} )XXXX XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$450.00} ), XXXX XXXX XXXX XXXXXXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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