BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX bank card XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt.

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this especially due to the current pandemic I have few options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, INC.
State: NJ
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 been having problems with Equifax reporting correct information on my credit report and everyth9ng on the report is incorrect as the dates of reporting n. no new information reported for 5 months since XXXX. This is not correct as it is on on my XXXX  and XXXX  and hindering from getting loans and other such financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CITIBANK, N.A.
State: NY
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:
I was charged a late fee of {$25.00} in error plus interest charges of {$1.00} by Citi in connection with my XXXX XXXX credit card. When I called to complain about the charges, the representative told me these charges were made in error. Not everybody checks their monthly statements. I want to make sure nobody else was charged fees in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020, I had a missed call at XXXX XXXX from First Franklin Financial. I returned the phone call at XXXXXXXX XXXX  and I spoke the XXXX ( i think that's the correct spelling of her name ) and she started discussing with me about my insurance papers that I needed to return to them. I had explained to her, I just had XXXX on XX/XX/2020 and due to my XXXX  when i arrived home the first week and my lights being off due to Hurricane Laura, I haven't had the time to do what I needed to do, ( I haven't fully recovered ) .Well, the customer rep had started to get really rude and was talking while i was talking trying to resolve this issue the best way I can. I am still under XXXX XXXX  at this moment and i take XXXX  for my pain which causes me to sleep most of the time and due to doctor instructions, I am not allowed XXXX XXXX when I am on this medicine. Back to my situation, I was told by the customer rep, XXXX, that I had until Friday ( XXXX ), to turn those papers in or I will be contacted by their attorney. Every since this converstaion, I had been stressed due to the circumstances of my health and how this customer service rep. had handle this siutation with me.The address to this store is XXXX XXXX XXXX, XXXX XXXX, La. XXXX

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 2023-02-06
Company: Experian Information Solutions Inc.
State: IN
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:
According to the law, US C 1681 and US see 1681S2. I have a right to privacy, and I did not give permission for these to be reported onto my credit report. 

XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020

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 2023-04-08
Company: Experian Information Solutions 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:
I recently obtained a copy of my credit report and found out I've been a victim of identity theft & I'm in the process of buying a home for my family. I feel terrible that i've fallen a victim of identity theft. This situation has negatively impacted me. I respectfully request that you promptly delete these fraudulent accounts from my credit report. Please see attached.

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 2020-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
USAA is charging me 16.54 % on a used vehicle loan. 

The national average loan interest rate is 5.27 %. 

My credit score is almost 700 as of XX/XX/XXXX. 

USAA has refused to refinance the loan. 
I contacted them approximately XX/XX/XXXX via telephone and requested a refinance and/interest rate reduction and was denied. 

I have had financial difficulty due to COVID19. 

This means my payment is {$790.00}. broken down to : Interest : {$460.00} Principal : {$320.00} The loan began : XX/XX/XXXX Pay off schedule date : XX/XX/XXXX PAYMENTS : XX/XX/XXXX LATE CHARGE ASSESSED {$39.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$320.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$300.00} {$34000.00} XX/XX/XXXX INTEREST {$480.00} {$34000.00} XX/XX/XXXX NUMBER OF DAYS = XXXX XX/XX/XXXX PRINCIPAL {$330.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$490.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$500.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$190.00} {$35000.00} XX/XX/XXXX INTEREST {$600.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$35000.00} {$35000.00} So this is a 7 year auto loan in what would be 4 to 5 years if the interest rate was not inflated. 

I am paying more in interest than I am on my payment to pay the loan off. 

This is preditory lending. I am being taken advantage of by the financial institution. 

I am a XXXX person. 

Maybe similar scam as the XXXX housing market which caused a crash in the industry? Also I don't know who my money is going to in their network or why or how they are redesignating it. I really don't care either as they are financially abusing me to I guess give to another area? 

I don't know what scam the government is running. USAA Federal is refusing to refinance my loan and SERIOUSLY TAKING ADVANTAGE OF MY FINANCES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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 information incorrect

Complaint:
Transunion keeps allowing a debt collection agency called XXXX  to keep posting an inaccurate debt that's been removed several times

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 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Kriya Capital, LLC
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:
A Collection note was included on my Credit Report on behalf of XXXX ( XXXX XXXX XXXX ) for {$540.00}, corresponding to an account open in Illinois State, under my name and Social Number, I dispute this using XXXX and didn't solve it, I walk to a XXXX XXXX XXXX Corporate Location and they found all the information about the Identity Theft and gave to me tools to complaint to XXXX XXXX XXXX Fraud Department, in where I already file a Identity Theft Complaint. 

I never live in the State of Illinois, I have been living in U.S for 5 years and always in XXXX XXXX, Florida area. 

I never share my personal Information ( SSN, Bank, Passwords, etc ) with nobody else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a notice from Synerprise Consulting Services that I owed a past due amount of {$620.00}. 

On XX/XX/2020, I sent a letter via certified USPS mail formally disputing the above claim, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Such validation should include my signature proving my contractual obligation to pay Synerprise Consulting Services. 

The company did not provide the requested information. 

On XX/XX/2020, I sent a letter via certified USPS mail requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Synerprise Consulting Services the alleged amount of {$620.00}. 

In addition, I requested the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' the alleged account and amount owed. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, I am aware that a printout of a bill or itemized document does not constitute verification. However, this is what I received as " proof '' of debt validation from Synerprise Consulting Services on XX/XX/2020. The listed item is inaccurate and incomplete, and represents a very serious error in its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX XXXX {$100.00} not mine XXXX XXXX XXXX  XXXX  XXXX  XXXX {$990.00} not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2023-03-25
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX BANK XXXX XXXX XXXX XX/XX/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

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 2023-04-09
Company: Experian Information Solutions Inc.
State: NY
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 Report Act XXXX, Account : XXXX, US DEPT OF ED/ XXXX  XXXX has violated my rights.

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 instructions.

I have never been applied for a US education Loan, I need this account to be investigated, this account is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE 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:
Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported balance Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

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 2022-08-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a cash app account that suddenly stopped letting me sign in, recently my brother accidentally sent money to this account and I needed immediate access to it for an emergency. I called cash app to either get access to it or get my money and they refuse to help me in any way stating that it's for my protection. I verified everything that they asked of me and still no help. Keeping my money after verifying my information is theft, I want all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received mail from a P.O. Box from XXXX, MI Saturday XX/XX/2020 that stated 'Driving License Suspension Request/Claim Settlement Offer ' from Recovery Partners LLC ( Arizona company )  stating I did not have valid insurance or provide valid proof of insurance on my vehicle during an minor auto accident which occurred XX/XX/2020. The statement made by Recovery Partners LLC is  absolutely FALSE. Recovery Partners LLC notice of claim settlement stated I owe {$2000.00} and they will contact the DMV of residence I live in ( CA ) to have my license suspended. Recovery Partners said if I pay now to resolve the settlement in full of {$2000.00}, they will give me a 'savings ' of {$680.00} or pay full amount at {$2700.00} by payment plan. 

Accident has already been settled by my insurance and her insurance early XXXX ( XXXX Select-the company that said Collections Agency they are collecting debt on behalf of ). I had insurance and have all proof of insurance. Both insurance companies have already taken statements and the case has been closed. I did not receive any estimates from collision companies, cases/judgements, subpoena to appear about accident, or any contact from the other party in accident or their insurance XXXX or anything regarding further actions involved in said accident stating the specific amount that Recovery Partners LLC states that I owe. I recieved a final case closure/determination notice from my insurance XXXX and other party insurance XXXX sometime ago early XXXX, nothing stated any amounts owed or anything of that nature. I did have insurance at the time of the accident however and have evidence to prove such. 

I will be contacting her insurance XXXX Monday XX/XX/2020 with the claim number provided by Recovery Partners LLC to ask if this is true and if they work with Recovery Partners LLC and why didn't I receive additional info in regards to any amounts owed or due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This horrible bank closed my accounts when I told them I have a disability which caused me to not remember calling them To report I dont have my card when my mom was using it with my permission Im on medication now for this medical condition I have but they still chose to close everything they dont want me As a customer anymore its very sad after years of being with them this is the first time this has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation