BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-05
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: Account status incorrect

Complaint:
This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to Equifax and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought the house XX/XX/2020 and paid XXXX XXXX XXXX auto payments from my bank and then it sold to SPS Servicing. XX/XX/2020 was paid to XXXX and it was supposed to be paid to SPS but we didnt know yet. Anyway XXXX says they never got my money and never sent it to SPS and it was paid I have proof from the bank. I have spent hours upon hours trying to get this resolved and still its not. XXXX sent a letter they would fix my credit and credit the payment but never did. My credit is severely affected and I never missed one payment. I need help getting this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 2nd complaint filed for this same issue. DIVERSIFIED CONSULTANT a debt collector is trying to collect a XXXX Debt that does NOT belong to me. In my previous complaint of the same nature ; I was advised to send XXXX a Identity Theft Affidavit. This was submitted last year and the item removed from my credit reports. Now, for the 2nd year, XXXX is trying to collect on the same debt. The Debt is in the name of a XXXX XXXX and my name in XXXX XXXX. I NEVER had a XXXX account or PHONE SERVICE. I was a 20yr XXXX XXXX XXXX customer and now a XXXX customer due to my employments extensive discount. Please HELP ME! XXXX needs to be held accountable for their BAD service and DIVERSIFIED CONSULTANT needs to stop harassing me and ruining my credit that I worked so HARD to keep at a good level. This has gone on TOO LONG and I have now FILED at the FTC complaints against XXXX. PLEASE MAKE THIS STOP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 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 seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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 is not yours

Complaint:
I have been inquiring with LVNV Funding about a debt that I have no knowledge of. They sent me some payment details that Im still not aware of. I was desperate to fix my credit so I called the company on XX/XX/2023 stating that although I have no recollection of this account I would just settle it to get rid of it. They advised me of a 20 % discount and I advised them that there was absolutely no way I would pay that for something Im unaware of. I decided to complete the necessary steps to have thos debt taken care of no matter the time it takes. Below is my validation request from LVNV funding. 

To Whom It May Concern : This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 

The agreement bearing my signature stating that I have agreed to assume the debt. 

A complete and correct social security number that may help identify me as the party you are collecting from. 

A copy of the government issued Identification presented to incur this debt. 

Valid copies of the debt agreement stating the amount of the debt and interest charges. 

Proof that the Statute of Limitations has not expired. 

Complete payment history on this account along with an accounting of all additional charges being assessed. 

Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 

A purchase agreement or assignment from the original creditor to your company. 

Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
For the past year I have been disputing a fraud claim against Chase Amazon - Visa credit card. Fraudulant balance amount is near {$20000.00}. I have provided the Chase fraud department numerous documents to support my claim and am repeatedly advised to submit yet more information which I do. Now I am being told I need to attain a letter of direct acknowledgement from Amazon to support my claim. However, there are no fradulent charges on my amazon account- where I make purchases from. The fradulent charges are coming from the Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Sears Matercard Requested a credit line increase from {$2800.00} to XXXX. Received a letter dated XX/XX/2023 stating that Sears had increased the credit line to {$2800.00}. The {$2800.00} was the current credit limit and there was no increase. Called customer service and was told that credit increase request was denied. Customer Service rep could not explain. why it was denied. 
I had this card for over for 40 years, have a yearly income over XXXX XXXX, a credit score over XXXX and have paid in full every month with no late payments, Based on the above I am requesting a explanation why the credit line increase was denied,

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 2021-11-17
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer XXXX XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and XXXX XXXX XXXX  the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: VA
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 recently noticed a fraudulent account that was removed has been reinserted and is being furnished on my credit report. 
The account is being furnished by " XXXX XXXX '' Opened XX/XX/2017 {$190.00} balance Equifax is in violation of 15 USC 1681c ( a ) ( 6 ) ( a ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : " ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. '' Equifax is also civilly liable for willful noncompliance and negligent noncompliance. 15 USC 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 I deposited XXXX dlares inside a Bank of America ATM the ATM had an error it chew up my money did not processed my money in I did not receive the slip summary of my deposit but only a receipt with a number to call I went inside the bank to look for someone to help me I was inside the branch for about 1 hour they even helped to call the claim department but nothing was successful the claim department told me they would credit my account later with the XXXX dollars so Bank of America actually did credit my XXXX 2 weeks later I thought everything was fine but 45 days later I was checking my online banking and they had my account minus XXXX I called them and they said that they never found extra XXXX dlares in that ATM they have overdraft my bank account now I cant use my account I cant deposit money they want me to pay the XXXX back to them I have been calling this people everyday spoke with they claims department everyday they said my claim is close already I told them I was going to tell my local News who help the community consumer complains to make this publish and help me thats how I make them to reopen my claim again I told Bank of America to check the footage of the ATM vdeo record they refusing to do it the last thing they said was they couldnt find any footage how come in 2019 there is no way for Bank of America to obtain a footage of your ATMs I know Im not crazy and I know for sure if the check the cameras they would show up Me making a deposit on XX/XX/XXXX Getting the lil slip with a number to call because it was a error with the ATM XXXX 
please I need some help thank for reading do not trust Bank of America

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 monetary relief
Consumer complaint received 2017-11-08
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Paypal has continued to call my family members and telling them info about my personal debt. They told my MOM that I could serve time in jail if debt is not paid. They also told her the amount of my debt as well as asking about my employment status. Very unprofessional and concerning. I am debating seeking legal information because of this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off a XXXX balance on my Bank of America credit card ... due to a technical glitch it looked like the payment did not go through, so i paid it again... essentially, i overpaid the card by XXXX. The card balance now shows XXXX. I have tried to have this amount placed back into my checking account, but they won't call me back when they say they will. I have been trying to resolve this for XXXX weeks now. 

Please help!

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 monetary relief
Consumer complaint received 2018-08-23
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: Account information incorrect

Complaint:
Around XX/XX/2018 Equifax used another reporting agency to add a account. I was disputing a XXXX XXXX account where I submitted a XXXX credit report to reflect what the accounts should look like ( paid in full ). On that report XXXX  listed a account I was in the process of disputing XXXX. I called Equifax who states that XXXX sent over the information. I then kept on asking for the proof like some sort of contract with my signature and equifax refused to give me the proof where they got the account from. I finally called the creditor who stated any account closed for several years they wouldnt have reported on. They even wrote me a letter stating they could not find a account in my name during there search. When equifax used my XXXX report on a totally separate matter they broke the law under FCRA. I demand if they cant produce actual correspondence with creditor XXXX with a Auto loan contract to remove the closed account. Each reporting agency has there own way to collect data on a individual using something other then the creditor to verify a account is morally wrong. Again im demanding proof of the correspondence between XXXX and equifax. If nothing is found this should be removed per the FCRA. I have recently submitted a dispute but that dispute shouldnt exist. No matter what case I have for XXXX  at this time with equifax should be removed if proof cant be produced how they aquired it. Its a bit odd this account showed up when I submitted a credit report from someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Company response to consumer: Closed with explanation