BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX LVNV Funding, LLC filed a civil action against me for an alleged credit card debt. On XX/XX/XXXX the case was dismissed without prejudice by the courts, which required LVNV to enter disputed information on my credit report regarding the civil case. I reviewed my credit file each month from XX/XX/XXXX through XX/XX/XXXX and they did not update my file so I filed a complaint with the credit agency to have the debt removed for violating my rights of fair credit reporting. I filed a complaint in XXXX and in XXXX but the credit agency did not remove the reporting so I decided to file a higher complaint against them. Because of this LVNV reporting on my credit report I was denied a student loan for my son even through an appeal. 

LVNV and XXXX have both denied me my right to have accurate information on my credit file and caused harmful information that was reviewed by a creditor resulting in denial of much needed funds for my child 's education. 

I have attached a copy of the civil court decision as well as the pages from my annual credit report dated XX/XX/XXXX indicating no disputed notations from LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2019 Employer contacted by XXXX XXXX using spoof phone number program detected. Informed us that there is a case number. Did not mentioned whom she worked phone, but this isn't the first time her company has contacted from phone number XXXX and XXXX. 

Continuous harassment about a fictitious case number. Contacted employer, relatives, and did not provide written statement as to facts of subject matter. XXXX XXXX avoided providing the name of the company she worked for and any information pertaining to the reason for the call. Just a case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Magnum Association Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to reach Magnum since XXXX. They never answer their phones and barely answer emails. They gave me one amount to pay XXXX XXXX XXXX on XX/XX/XXXX. Once trying to pay, they charged a surcharge of {$40.00}. When in the process of disputing the credit card processing fee on XX/XX/XXXX, they increased the fees, charged an additional 25 % in contingency fees, added more interest and late charges, and {$44.00} in credit card processing fees for a total of over {$200.00} more than the agreed upon amount. 

After contacting the company, the original creditor, and XXXX, I have yet to get a response. They violated the FDCPA in more than one instance. The 3rd party collection agency, Magnum, is also a LLC of the original creditor ( they are in the same office ) and claim the other party is to blame. The original creditor, XXXX XXXX XXXX, states they have nothing to do with the fees. The 3rd party stated the reason they haven't returned my call is because I/they need to contact the original creditor. 

This is a conflict of interest. They are double charging me on fees, they have deceptive practices, violated FDCPA, and have unlawful communication practices. 

We are suffering from the global pandemic with a 7 % unemployment rate and increase of national debt. They should be courteous knowing that millions of Americans are suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: UT
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:
XXXX, XXXX, and Equifax are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX, Transunion, and XXXX  are reporting a balance that have been paid and I do not owe. XXXX and XXXX  XXXX XXXX XXXX, debts have been paid and they continue to report a balance.

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 2018-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm trying to get a home equity loan. I looked up my credit score through XXXX XXXX today, XX/XX/20. They're a subscription service that provides all three credit bureau scores. They show a credit score with Equifax of XXXX, but XXXX where I've applied for the loan says my score from Equifax is only XXXX. Both companies said to call Equifax for an explanation, but two different Equifax customer service reps would not respond to my question of why both companies have different scores and which one is correct, nor would they give me any information to show XXXX. I'm unable to get my loan and all three companies point their finger at the others. I also contacted Equifax and asked to file a complaint with them, but they would only transfer me the the same customer service reps that I want to complain about! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the response from Enhanced Recovery regarding my dispute. The company advised they stopped collection efforts ; however, the debt is still reporting to my credit. At no time have I received a fraud packet that is mentioned in the companies response. I hired an attorney and that packet was not received by my attorney when I originally disputed the debt. The attorney received copies of phone bills that DID NOT HAVE MY NAME. No contract has ever been made with XXXX in my name. I have never had a XXXX phone number or account. Again, when I called XXXX years ago they advised the file was NOT in my name and the social security number did not match mine. It wasn't until years later I discovered that XXXX changed the account name to match my name. The account continues to report to my XXXX credit Bureau report. I do not owe XXXX for a phone bill. the validation of this debt has not yet been received. Additionally, any original contract will prove the debt is not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX-received a letter from XXXX XXXX that my account was assigned to them from Washington Mutal in the amount of {$13000.00} for debt if {$5400.00} and interest chrarges of {$8000.00} XX/XX/XXXX-replied requesting validation of said debt, along with proof of statute of limitations not expired, that they were licensed to collect in my state, their license numbers, agreement with creditor authorizing they can collect debt, agreement bearing my signature that I agreed to assume debt, valid copies of debt agreement. XX/XX/XXXX I received copies of old statements dated from XX/XX/XXXX, and 3 from XX/XX/XXXX. Last was dated XX/XX/XXXX. I contacted the number on the old statements Since Washington Mutual went under, I was referred to JP Chase, who had no record of this. I know for a fact that This account was paid/settled for less than amount owed with Washington Mutual in XX/XX/XXXX. Last correspondence with Washington Mutual was XX/XX/XXXX. It was reported on all 3 credit reports as such and was also removed from all credit reports in XX/XX/XXXX. I do not have these old records as when they were removed, and I did not believe I needed to keep old paid records. I checked with the credit bureaus also but once they are removed they have no record either. I never received any other correspondence about this debt from any other organization, only from Washington Mutual. I 've never received any correspondence before XX/XX/XXXX from this company before. XX/XX/XXXX I received another letter from XXXX stating I am the correct consumer for this account and they expect payment. I have not responded yet, as I believe this time period between last contact with creditor is past 8 years and this debt has become statue barred, plus they ca n't collect on the same debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. 
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.

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 2021-02-21
Company: ALLY FINANCIAL INC.
State: GA
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 following accounts appearing on my credit report are fraudulent : XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$890.00}, ALLY FINANCIAL XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XXXX XXXX$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.

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 2018-10-15
Company: EQUIFAX, INC.
State: AR
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:
In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well XXXX, XXXX, Equifax responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX  XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX XXXX has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, XXXX, Equifax. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX XXXX   and attached is a copy of the delivery notice that the company received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well Transunion, XXXX XXXX responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX  XXXX  has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, Transunion, XXXX. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX  XXXX   and attached is a copy of the delivery notice that the company received the letter.

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 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I payed a kohl 's credit card on XX/XX/2018 with the amount being : {$150.00}. 

The issue that I have is that I was never given any alerts or mail that I had a due date coming up or even a statement of when my payment would be due. I have called their customer support and they realized their mistake and issued me a credit reversal which refunds me the late fee but was told they didn't have access to removing the delinquency from my credit history since they are only representatives. I have tried to reach out to the creditor but public information could not be found. 

I was only called once after 30 days being late and was told I was late but I had no knowledge. the same day they called me I payed the card in full as I never in my credit life have ever missed a payment or had any other forms of deliquency. 

I would like to work peacefully with the company to remove the delinquency and correct the error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: GA
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 am an identity theft victim. I never authorized, used, or benefited from these accounts or transactions in any way. I am writing to dispute the following items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit report is still on freeze. My original complaint ID is XXXX. It has not been unfrozen. I need my credit report from Experian released immediately. I no longer have access to my password. Experian has not accepted my valid forms of identification. There is no customer service, no one to speak with, phone inquiries are useless.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion, XXXX, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.

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 2018-10-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I've been a customer with the Bank for 5 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached my balance yet although my card has been close for 3 years ... I have paid over XXXX in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help

Company response to consumer: Closed with explanation