BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Card Debt FRAUD from XXXX XXXX purchased by Asset Acceptance LLC c/o Midland Credit Management , Inc. ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Noticed four items on credit report for LVNV Funding - I have never opened an account with LVNV Funding LLC, that they are saying I opened XX/XX/2022. Did try disputing with credit bureaus - no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: ALLY FINANCIAL 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:
I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( XXXX XXXX ) with no successful resolution. XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2022-09-07
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Professional Debt Mediation , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) stating that they are debt collection agency, and they want to collect {$850.00} I allegedly owe to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

I replied them within 30 days ( on XX/XX/XXXX ) providing that I dispute this implication. I don't owe this amount to XXXX XXXX. I provided reference to lease agreement I had with XXXX XXXX, showing that charges they want to charge me are not based on the contract. All the lease payments, and also utilities, are paid in time ( and they're not disputing this ). They want to charge me for some cleaning, repair, carpet change, and other services, which I have no obligation to pay for. 

I also stated that there was no proof of move-out inspection ( which must have been according to XXXX of the contract ), nor any proof showing that I agreed with those charges, or ordered such services. 

On XX/XX/XXXX I received another letter from Professional Debt Mediation. They just attached the lease contract and XXXX 's account ledger. They didn't answer or argue to any of my references to the contract, and didn't provide any proof that I owe this money to XXXX. 

On XX/XX/XXXX I replied them again, pointing out that ledger is just an internal document of XXXX, they may add whatever they want, and it proves nothing. I asked them again to provide any proof with reference to the contract or any other valid document ( service order, move-out inspection document ) proving the debt. 

They didn't do it, instead they sent me another letter, titled 'Debt Validation ', which haven't had any proof, or contract reference, or any relevant answer to my dispute. They just attached the ledger and the contract again. 

They sent the same letter recently again ( on XX/XX/XXXX ). I also found that they put that 'debt ' which they can't prove into Credit Bureaus XXXX harming my credit score.

So I not only have to waste my time and nerves to reply to those false accusations, I also suffer economical damage, as their false report harms my credit score.

Please help me dealing with them, as they're a big organization, sending templated letters, and trying to get money I don't owe without having any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I went to purchase a camera from a seller on XXXX  and sent a payment to the amount of {$550.00} on XX/XX/2022 via XXXX through JP. Morgan Chase. The transaction proved to be fraudulent when the next day ( XX/XX/2022 ) i contacted the seller and discovered that the item was never in their possession to begin with. I tried to get my money back from them and they refused and ceased contact. I tried to dispute the charge with the back but they claim not to be able to recover funds lost to scams. I then researched similar scams and found steps to take to dispute/recover scammed funds and am now filing this complaint for help doing so. 

Below is attached a screenshot from the seller confirming my payment for {$550.00}, my name included. And what I assume to be other similar scams done to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has entered a collection account on my credit report and I have advised and provided proof that debt is not mine. I am also receiving threatening calls from an attorneys office associated with the collection company. Both continue to call and threaten to sue me for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A credit card account was opened XX/XX/2019 and {$830.00} was spent on the card over several months. I never knew about this account until about a week ago which I immediately disputed using my XXXX account. Please my credit report and know that the only negative items on on my credit report was for late payments on my sons student loans that I co signed for. After my son missed the second payment I took over paying that bill and not ever been late making any payments. When I called the credit card company and provided my information none of it matched the account in question. The lady recommended that I contact XXXX and let them know of fraudulent activity. I then contacted XXXX and stated a dispute. The only other information that I have on that account is what I got from my credit report and is as follows : XXXX XXXX. Thank you for your assistance.

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 2022-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX  ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

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 2023-03-16
Company: Chime Financial Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a checking account with chime in XXXX. Decided recently to close account to use a local bank instead. Chime has since reported to the credit bureaus that I had a credit card account that was 90 days past due and the account was closed due to XXXX XXXX bankruptcy with a balence of XXXX All of this is completely false. I filed for bankruptcy in XXXX of XXXX and listed having a checking account with Chime. That is the only thing they were listed for on my bankruptcy.. Is it normal practice for a financial institution to report false info to Credit bureaus when customers decide to bank else where? Why would they just now report this if not?? I had a checking account that's it. No line of credit was ever issued to me. I had no credit cards, personal loans or anything else i owe them no money. I have never been 90 days past due on. I'm a single father with XXXX kids. I have worked extremely hard trying to improve my credit since bankruptcy. They have now maliciously destroyed my credit. On XX/XX/XXXX my score was XXXX It's now XXXX and that drop is solely due to them. Do they not have to prove anything before being able to destroy my credit? When did I apply for this credit card? What was its limit? What was interest rate? How about transactions? This is absolutely ridiculous and disgusting. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: On Q Financial
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, as you all know the process of buying a property can be difficult. 
There are many forms to be signed, and information can seem a lot at times. 

At my signing I noticed there would be any extra mortgage payment that I would have to make. No sure I asked to notary, and she indicated it was a second mortgage. Further along I called the lender and left a message in this regard. 
The notary came back into the office with copies, and told me the under writer stated the second mortgage was for down payment assistant. I had to show through bank records that I had down payment monies. 
I was also told that there were down payment programs that would assist me as well, if needed. 

I was never told there was 2 mortgages that I would have to pay, that was never explained to at any time. 
Yes I did sign paperwork, at that time I was the end of the transaction, and I felt I had no choice or option to do anything else but sign. 
This second mortgage should have been clearly explained to me. 
Instead of now I'm stuck with an entire second mortgage, and I can refinance my first mortgage, until this second is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: AZ
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:
When I went on to the XXXX site to check how the recent hack impacted me, the site stated that my personal information might have been compromised. Now my credit score is at risk, and so is my personal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: NJ
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 was approved for a {$6000.00} credit card through apple. Shorty after I started getting fraudulent charges I tried to close out the account but apple informed me that all someone has to have is your phone number and you account can be hacked. They allowed my XXXX credit limit to be utilized to over {$30000.00}. There was another phone number connected to the billing that was not mine as well. Apple states that I should be fine but they keep saying that the debt it mine when I have is disputed. This has dropped my credit significantly and there is no way a XXXX limit can be exceeded to XXXX and I never utilized it. Apple now say to file a report so that I can properly dispose of false claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Oasis Legal Finance Holding Company, LLC
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Unexpected fees

Complaint:
I was involved in an accident in XXXX and been out of work and was receiving temporary XXXX for a short time then bills were piling up in XXXX and I didn't have any money coming in so I looked online for a lending company and I came across Oasis which Had an advertisement online saying they won't get paid unless you get paid and if you don't you don't have to pay the money back and the fee was 1.4 %. So from XXXX until approximately XXXX I only borrowed XXXX from Oasis and they charged me a little over XXXX they receive more then I got from my settlement in XXXX and I feel like they over charged me and with unexpected fees and false advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PERMISSIBLE PURPOSES OF CREDIT REPORT 15 US CODE 1581B EXPERIAN IS VIOLATING MY RIGHTS BY ALLOWING THESE ACCOUNTS BELOW REPORT ON MY CREDIT REPORT,

 I HAVE NO AGREEMENT, PAYMENT HISTORY AUTHORIZATION TO REPORT ON MY CREDIT FILE.  
RENTDEBT AUTOMATED 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.  I HAVE A COMPLAINT FILES WITH THE FTC TOO.,  SEE ATTACHMENT INCLUDING THESE ACCOUNTS.

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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX credit card limit {$8100.00} opened on XX/XX/20 Is showing as an open an account on my transunion credit report and it is not my account. XXXX XXXX  has already contacted transunion for my removal from account, but transunion has not removed account from my credit report and is affecting my overall fico score.

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 2023-03-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi I had a Wells Fargo account an I would have money inside of my savings. I would transfer the exact amount of money from my savings every time I made a purchase. But when I look up Wells Fargo would charge my card for the purchase and then a couple days later my account would go negative. It got to the point they overcharged my cart {$200.00} and I was in the negative.

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 2021-09-24
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has currently reported to my credit that I owe {$140.00} which is impossible because I currently have an account with XXXX. Before I got this current account I had to pay off the remainder balance of anything which was owed.

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 2018-11-28
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM. 

I DO NOT RECONIZED SUCH OUTSTANDING DEBT. 

WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1681 says It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Fact, XXXX is aware that SANTANDER CONSUMER USA accessed my consumer report through XXXX on XX/XX/18 and XX/XX/18 without permissible purpose as required by the 15 USC 1681b ( FCRA ). 

Fact SANTANDER CONSUMER USA acted negligently and willfully violated federal law, which is evidenced by the deletions of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried submitting a repayment plan multiple times. It takes took XXXX weeks for the plan to be approved and then it wasn't even applied to my account. I also have my account on auto-debit, but no payments have been taken out of my account. I am trying to pay down my student loans, but nothing about this company is working. I am getting frustrated. 

I have tried submitting multiple emails ( early XX/XX/2023 ) with Nelnet to explain my issues, but haven't heard anything and it's now the end of XX/XX/2023. 

I am concerned that I am going to either be charged the incorrect amount or there will be late fees applied to my account.

Company response to consumer: Closed with explanation