BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: AR
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 applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$420.00}

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 2017-12-31
Company: JPMORGAN CHASE & CO.
State: CA
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:
In late XXXX, I was issued new credit cards with new credit card numbers because one of the cards on my account was last and the old credit cards were canceled. However, Chase continued to accept charges for XXXX from my son, who had access to my old credit card but not my new one. To date, Chase has accepted four unauthorized purchases totaling {$52.00}. I disputed the charges because my son is not authorized to use my new credit card but Chase refused to reverse the charges because I had made purchases from XXXX on my old card and told me to contact XXXX about cancelling my son 's XXXX account, which I ca n't do because it is my son 's account, not mine, and XXXX will not cancel an old card without giving them a new, valid card, which he does not have. I explained to Chase that I did not authorize the four XXXX purchases but they contend that because I authorized purchases from XXXX under the old card in the past, that I am responsible for all further purchases from XXXX ( and XXXX and any other merchants with which I have done business ) that continue to be made under the cancelled card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Monterey Financial Services LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. <P/>I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract  with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.

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 2022-10-04
Company: ERC
State: NJ
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 Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by ENHANCED RECOVERY CO LLC. While checking my credit report, it came to my notice that ENHANCED RECOVERY CO LLC has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by ENHANCED RECOVERY CO LLC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or ENHANCED RECOVERY CO LLC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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 contacted XXXX XXXX by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.

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 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called Cap One to dispute several inquires on my report that I do not recognize I was told they will update this info on all 3 credit companies including a company callwd XXXX XXXX but yet this keeps happening 1.XX/XX/XXXX -authorized 2.XX/XX/XXXX 3.XX/XX/XXXX 4.XX/XX/XXXX 5.XX/XX/XXXX 6.XX/XX/XXXX 7.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a payday loan last XX/XX/XXXX for {$310.00} with Cash Central. I was n't able to pay the loan back at the time of the due date and continuously called my workplace without my consent, called my house and also my cell phone. I called them and told them not to call my work as I am working and I am not allowed to take personal calls on our work phone. The calls continued until I lost contact. <P/>On XX/XX/XXXX I received a call from a collector in regards to the debt and told me that I now owe {$560.00} and wanted to talk to me about a payment plan. I told them I will call them back when I am not working and to call my cell phone to discuss. Since then, they have continued to call my work and cell phone at times 3-4 times within a 6 hr period. I requested them to not call my work, but my request has gone ignored. <P/>I understand I owe the company a debt. But to ignore a consumer request not to call is unprofessional.

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 2017-07-13
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:
Regarding compliant #  XXXX .  XXXX   XXXX  is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed  two  debts from this company and left the other two. I dont know why all was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After putting a complaint with cfpd I received a call 3 days later. They said they will review it. Week late someone from the pmi dpt called me and left a message and gave me a phone number to call them back. I couldnt get a hold of them after multiple tries. Finally I called their customer service dpt and they told me that their decision stands without explanation. I wasnt even given an option on how far I was to have my pmi removed, an option that would allow me to put money toward my balance so I can have it removed. Again all they care about is to make me pay my pmi as long as they can. Bad business. I will not recommend loan care services to anymore base on the way theyve handled my situation. Theyve cared less

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 2022-08-12
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions

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 2019-08-01
Company: Applied Data Finance, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of identity theft and when going through my credit history saw an inquiry. I called them to see if an account had been created and the first representative practically refused to help me. I explained to her several times the reason all the details didn't match was because I was the victim of identity theft. Where the other banks/credit card companies had been very respectful and helpful she was rude and implied I was up to something. Her supervisor acted similarly. They also refused to tell me details about the loan ( e.g. how much ) and said they would not even flag this account until the forms were received ( on my next call they said it was flagged it and the account had not been approved - leaving me unsure of what the truth is ). The forms are not secured online. They are pdfs they require to be emailed to a generic contact email address that the entire organization uses. This is my only option to get the account cleared, yet I have to expose my personal information and make myself vulnerable to a secondary attack to get it cleared. It seems dangerous, cruel, and unfair. Every other bank was able to make this go away in a few clicks rather than make me vulnerable to a secondary attack. I was also told that they do not have a fraud department that the email just goes to a customer service rep. This is concerning since they are an online bank only and would be more likely target for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On X/XX/2017, I 'd downloaded my credit report. I called on X/XX/2017 to get a rssolution, no results. I explained that it was a computer glitch that was TrabsUniob problem, not an error of myself caused my inquries to be deleted. Once the glitch was realized, TransUnion added them back on my report. I did not receive proper written notification 5 days prior to it appearing. I 've contacted TransUnion in good faith to ask them to delete the hard inquiries that they had illegally re-added. These hard inquiries add a hardship and my rights were violated by TransUnion. I am asking CFPB to help me make TransUnion to stop victimizing me. Also, I am asking a resolution that all my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2020-02-13
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: Account status incorrect

Complaint:
I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XX/XX/XXXX I was notified from Superior Court of New Jersey XXXX XXXX XXXX New Jersey for a credit card balance Docket DC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency XXXX XXXX XXXX XXXX XXXX. with Pressler & Pressler , L. L. P. P & P File XXXX it is Pressler & Pressler ( now Pressler , Felt & Warshaw , LLP ) file. I went to Superior Court in New Jersey, XXXX County to answered that lawsuit. Therefore, few years ago I called XXXX to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to Pressler & Pressler for {$500.00}. Also, Pressler & Pressler harassments a customer from credit cards made business with bad manners to get wealth. Pressler & Pressler harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX City knocked my door in my house. The Sheriff come to my home because Pressler & Pressler Now Pressler , Felt & Warshaw , LLP pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that Pressler & Pressler ( Now Pressler , Felt & Warshaw , LLP ) This account is from XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When closing my Victoria Secret Credit Card ( the reason was the unsatisfactory handling by XXXX  XXXX ) the representative wrote to me that my balance is XXXX when closing my account. 

However, my balance was - XXXX , meaning that XXXX owned me XXXX $! This means that XXXX simply kept my money, because I closed their account. 

I believe it is at least a violation of consumer protection law and possibly can be seen as an embezzlement of my money by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.

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 2019-05-25
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunrise Credit services are repeatedly calling and hanging up. Once I figured out who it was the collector mini-marandia me without verify credentials such as date of birth or address and argued with me once I explained the violation. 

Pay the minimum violations fee of {$1000.00} or clear whatever debt is listed with them.

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