BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with fair credit Act 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 A section 2 it also states a consumer reporting agency can not furnish account without any 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 explanation
Consumer complaint received 2016-12-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.

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 2017-02-02
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX, I am sorry to have to write to you but I do n't know what to do anymore. I have been receiving deceitful information from the loss mitigation department of Financial Freedom who have made it impossible to finalize a workout on my XXXX house. Even though I have followed all the requirements for an extension, I was just told that the home would go to foreclosure next Tuesday, XX/XX/2017. 

My mother took a reverse mortgage and after she XXXX, my sister and I have been working relentlessly with Financial Freedom to find a solution to sell the house and pay the outstanding balance. The house needs a lot of work and I am working with a few buyers who are interested in purchasing it but more time is needed to finalize the sale and close on the transaction. I have had an open discussion and ongoing calls with their company and it was agreed that the house will not be sent to foreclosure in XX/XX/XXXX and I would get a XXXX day extension of the foreclosure process if I provided the XXXX certificate, the proof of death, the Last Will and Testament, along with a cover letter and proof of selling negotiations such as a Texas XXXX XXXX XXXX XXXX and Sale Agreement document by XX/XX/2017. I initially submitted the requested information on XX/XX/XXXX and resubmitted again on XX/XX/XXXX ( attached is a copy of the fax with the date of when I sent the paperwork ). When I followed up on XX/XX/XXXX I was told that the request was denied because the information was not REVIEWED until XX/XX/XXXX This is very troubling and makes it seem like your company is trying to take advantage of my situation. I have tried to do what was requested and may now lose my mother 's home of almost XXXX years and currently my primary residence due to your company 's slow processing of paperwork. 

I am not asking to stay in the house permanently, I would however like to have an opportunity to sell the home and move out quickly. As my foreclosure date is imminent, I am requesting that you place my foreclosure on hold to provide me the time to execute a contract that will allow me to pay off the loan and give me the money needed to find an apartment. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for and was approved for a credit card with XXXX XXXX ( Commenity Bank ). I was not provided the terms and conditions at the store, being told they would be sent to me in the mail with my card. I did not receive the card, the terms and conditions or my first billing invoice. I only received the second invoice which listed a 27 % interest rate, a late fee and a monthly {$2.00} minimum activity fee. I called and immediately closed the account and authorized full payment of the account balance through the automated system. This amount was not deducted from my account, but instead a {$37.00} late fee was added and the account marked late on my credit report. I attempted to corrected this with Commenity but was told they they would not remove this incorrect information because they attempted to contact me through a phone number that I never had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/2016, I ordered XXXX dog pillows from XXXX online. The items were returned because it was not what I expected. I paid out of pocket to have the items returned because I did not want the credit card ( Comenity Bank ) to be charged. This transpired less the 10 days from initial order. The credit card sent me a bill because XXXX did not report to the credit card the items where returned within the time so not to get a charge from the credit card. I was not successful when I tried to get this error resolved. Comenity Bank representative advise me to pay them although I did not have the items. This situation is very discouraging because I returned the items within the time so the credit card would not be charge, as well as the credit card fees for items that where returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
Company: JPMORGAN CHASE & CO.
State: TX
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:
My personal information including my credit card information was compromised. Someone used this information to make fraudulent purchases on my credit card. 

I received an alert on XX/XX/2022 stating that Chase auto declined a purchase because it was detected as a fraudulent charge. I immediately called Chase and to cancel my card and to let them know that there were 4 additional fraudulent purchase on my card. All of these purchases were made in about a span of 1 hour and all the purchases were for digital tickets. 

Chase later told me that I was still responsible for 2 of the charges. One charge of {$180.00} to XXXX XXXX and one for {$600.00} to XXXX XXXX XXXX. I disputed the charges 2 times and each time ( on XX/XX/2022 and XX/XX/2022 ) was told that 2 of the purchases were legit because the scammer used my personal information to make the purchases and because I " received benefit '' from these transactions. 

While it is true I received the virtual ticket in my email inbox ( due to the scammer using my email and other personal info ), I received no benefit because I never used the tickets and the tickets were for entry to attractions on the other side of the country. Also, the scammer could access copies of the tickets online during the time of purchase so really they were the ones who received the benefits. 

It is preposterous to think that only XXXX out of XXXX tickets purchases within an hour were made by a scammer while I was also purchasing tickets. Why would I immediately call Chase to cancel these charges if that were the case? What kind of fraud department can't tell that these purchases obviously were not me? It really feels as though they try to use any excuse necessary to charge you with fraudulent purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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 is missing that should be on the report

Complaint:
My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only XXXX showing that I have an open credit card account is the XXXX company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681. Transunion assumed this role without my permission not only that Transunion did not have my consent. Transunion did not respect my right to privacy & I have sent in many letters telling transunion about the unauthorized accounts and incorrect personal information I am demanding right now is that transunion remove old names and address that is not my address and phone number dispute completely Reporting missing payments on accounts that I didnt authorize or gave my consent too

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 2022-05-30
Company: EQUIFAX, INC.
State: NC
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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: VA
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 sent my first letter to the credit bureaus- Equifax, XXXX and XXXX reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THESE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM THE VICTIM OF IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I previously disputed a Toyota Motor Credit charge off account. The account was resolved/updated with the major credit bureaus. Yet Toyota Motor credit refuses to remove the dispute comments that they have placed on the comments/remarks section of the account with the bureaus. I have made multiple phone calls and sent letters stating I was no longer disputing the account and I did n't object to their findings. Only after the refusal of speaking with a supervisor, being hung up on and laughed at I have to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Personal information incorrect

Complaint:
Wrong name and address listed on my profile.

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 2016-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
the accounts listed ( XXXX XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX  XXXX  XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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