BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received my credit report and i have tried to dispute with an account with LVNV FUNDING.  I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2021 It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION I HAVE ATTACHED MY POLICE REPORT I THIS COMPLAINT AS REQUESTED BY LVNV FUNDING LLC!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX  IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2016-05-04
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have setup payment arrangements with a couple of my collection accounts. I have noticed on my credit report that it does n't show I make any payments. I make the payment on time and it still shows XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to purchase an item with my walmart credit card and use 6 months no interest feture since I met all requirements. When I called to do that I was informed that walmart is changing banks ( from Synchrony bank to XXXX XXXX ) and this promotional option is no longer avaiable. I complained with the company ( several representatives and supervisors ) and I was told they sent notification about those changes and also this is listed on their website. I reviewed the letter I received ( and called back ) about the bank change and nowhere on this disclosure was listed that I no longer have the option to use 6 to 24 months no interest when paying back my card. This was also not listed on theyr website. The Supervisor I spoke with could not address my concerns or offer a solution. I was only told that Walmart and Synchrony bank are not separating in a good relationship, so they can not do anything about my issues. I find it very disturbing that this important change was done in the first place and also no disclosures were provided to me as a customer. I opened this card only to use this option and buy high dollar items and pay them back on monthly payments with no interest. I believe this is a vaulation of the truth in lending regulations.

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 2021-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Amsher Collection Services, Inc.
State: NJ
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 paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my  agreement and I would like them to honor their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is harassing me and extorting in the name of Toyota company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Northland Group Inc
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and do not owe a debt to Northland Group Inc., XXXX A representative from Northland Group continuously called me back and harassed, verbally abused me and threaten me with being arrested by the XXXX Sheriff's Office of I did not pay the debt off. Northland Group Inc., is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
In accordance with Fair Credit Report Act, XXXX  Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to dispute a 30-day late payment entry on my credit report that pertains to my charge card account with The Home Depot/Citibank . I believe that the reporting of this late payment is inaccurate and does not reflect my payment history with The Home Depot. I kindly request your assistance in rectifying this matter. 

To provide you with the necessary information, please find below the details of my account : Account Name : THE HOME DEPOT/CITIBANK Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$340.00} Payment history guide : 30 days past due as of XX/XX/XXXX I would like to bring to your attention the consumer protection law, specifically 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless they have adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Based on this law, it is incumbent upon creditors to follow reasonable procedures for the timely delivery of statements, ensuring that consumers have ample time to make payments without incurring late fees or negative reporting. In my case, I have never received any late payment notices or reminders, and I have a history of making payments on time. 

Therefore, I dispute the accuracy of the 30-day late payment notation in my credit report. I kindly request that you investigate this matter and rectify the reporting of this late payment to accurately reflect my payment history. The accurate status of my account should reflect that it was paid on time and in full. 

If you require any additional documentation or information to process this dispute, please inform me promptly, and I will provide it to you as soon as possible. I understand the importance of providing all necessary evidence to support my claim.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-01
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: Account status incorrect

Complaint:
Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( Equifax ) have provided me with NOTHING, the creditor has not responded to my concern. XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Account # XXXX AND Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am an American Express customer - who received an offer to open a KABBAGE checking account in exchange for a {$300.00} opening bonus. On or around XXXX XXXX I submitted an online application to open the checking account under this promotion. 

The website stated my application would be reviewed and account opened within a few business days ; my application was submitted to AMEX / Kabbage at the latest on XX/XX/XXXX for a {$300.00} opening bonus promotion that had an expiration of XX/XX/XXXX. 

AMEX / Kabbage did not provide me any status updates on my application since it was submitted, on or around XX/XX/XXXX I received a snail mail paper statement about this checking account having been opened on my behalf. 

On XX/XX/XXXX I contacted Kabbage / AMEX to inquire about my account in order to ensure the {$300.00} opening bonus was applicable. The {$300.00} incentive is the only reason I applied for the account and it was promised that my account would be opened " within a few business days '' - my account application was submitted on XX/XX/XXXX. 

According to Kabbage / AMEX customer service agent " XXXX '' my checking account XXXX was effectively opened on XX/XX/XXXX. The agent stated that the {$300.00} promotion I had signed up for ( on XX/XX/XXXX ) would not be honored for this account. They stated that the signup bonus required the account be opened prior to XX/XX/XXXX. 

I submitted my complaint to Kabbage customer service that my account application had been submitted in a timely manner ; on XX/XX/XXXX. Plenty of time for the checking account to be opened and for the {$300.00} account bonus terms to have been met. That no communication from AMEX / Kabbage had been received since submitting my application. 

A customer would NOT expect an account to have been opened under different terms than originally agreed upon ; my application was submitted in XX/XX/XXXX during a {$300.00} PUBLIC signup bonus promotion ( https : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have an old account on my credit report showing inaccurately from XXXXXXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter

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 2019-09-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan transferred from Ocwen Servicing on XX/XX/XXXX to PHH Mortgage Servicing. At the time I agreed to a loan modification with Ocwen and made the 1st of three trial payments. The remaining two payments were collected by PHH. I tried on several occasions to pay online and was not able to do so, I was told it was due to not having all of the data file transferred. My payments were taken over the phone by an agent for XXXX and XXXX. I have not received any communication from PHH since I made the last trial payment on XX/XX/XXXX. I have called and checked online, even sent messages and have been told that the modification department is still working on my request. In the meantime I received two collection calls but both representatives I spoke to reiterated the thing as before, no further information. I called today XX/XX/XXXX to follow up on a complaint I made on XX/XX/XXXX regarding improper reporting on my credit. I spoke to rep ( XXXX  # XXXX ) who refused to provide a reference number for my call. I don't know what is going on with this mortgage, I see property preservation fees ( indication of foreclosure ) however, I have received nothing in regards to the modification of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2015 I attended a continued education program through my union and got hurt while I was there so I visited the hospital and got looked at. The hospital ( MARYLAND XXXX XXXX ) gave me the bill and I gave them my current XXXX XXXX insurance number which was up to date which then my insurance took care of it. This debt collection has been showing up in my credit reports for the past 3 years and and is causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my Chapter XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NJ
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 appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation