BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.

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 2023-03-17
Company: The Bureaus, Inc.
State: TN
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:
My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX  XXXX, NA ( which I believe are duplicates again, like my XXXX XXXX  duplicate accounts ). XXXX XXXX, The Bureaus AND XXXX are all reporting collections. XXXX credit card XXXX XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with LVNV, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our previous apartment complex was negligent in repairs to our unit, and under the Texas tenant laws we were able to move out without any penalties due to the unit being uninhabitable. We reported this to XXXX XXXX XXXX, the apartment complex, their parent company, and we pursued legal action against them. They charged us XXXX, and after further calls, and follow ups we havent heard anything back or received any solutions. They then put it onto our credit making it impossible to rent a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
dear American Express I am filing this complaint with the cfpb because you guys have not taken my identity theft seriously. on XX/XX/XXXX the Permanent Fund Dividend Division of the state of Alaska lost my name my dob, social security number, my address everything that on my my birth certificate and all my bank info as well. after I submitted my application for my yearly PFD the page reloaded with someone else 's information. i contacted that person to let them know what happened and then contacted the state of Alaska to let them know what was going on with there website but because it was a weekend and a holiday there offices were closed. so i did the next best thing i called all the local news stations.so they can warn people what was going on they come to my house and did a interview with me so other Alaskans would know not to file there pfd until the state fixed there website the media was also able to get hold of the governor and he order the state to shut down the pfd website. the following Monday I contacted the three credit bureaus and put an extended fraud alert on my credit report but that haven't seem to stop the people who have stolen my identity from opening accounts in my name i have sent you copy of my police report and other documents showing i am a victim of identity theft and you guys mailed me a letter on XX/XX/XXXX saying i made payment arrangements therefore I'm accepting responsibility of this account i XXXX XXXX have never made payment arrangements with American Express so am not accepting responsibility for this fraudulent account. 

i do have some questions that I would like answered? 
I would like to know why you never contacted me after running my credit report and seeing there was a fraud alert on there? 
and according to my XXXX credit report the credit limit was XXXX dollars but the person who stole my identity was able to spend XXXX plus dollars how did this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CORELOGIC INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.

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 2023-04-12
Company: Express Recovery Services, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Complaint # XXXX Express Recovery Stated that they would remove this item on XX/XX/23. They did not provide any information validating this debt, nor did they remove it from my credit report as they stated they would. This is a willful violation of the law and a outright lie by the company. They need to be held accountable. I have attached the original complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
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 602A. States I have the right to privacy.

.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1666b : A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason

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 2023-03-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are 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 Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community XXXX Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

Sincerely, 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I applied for a mortgage approval and my credit was run and one of the 3 credit reporting bureaus, I think TransUnion, sold my personal information. I have had for 60 phone calls and text messages today and someone called and listed off my SSN and DOB. The mortgage lender indicated they can not do anything about that and they are aware that the credit bureaus are selling information. I want to report this and will be considering sueing

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 2019-01-25
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been dealing with Navient to make student loans payments. Since XXXX I have notified Navient of my correct address. However, as recent as XXXX Navient representatives have indicated they have a separate address that I have never given anyone on any students loan document. How can I know what I am suppose to pay or what should be paid if I have not received proper notice via US Mail or email? This has resulted in loans becoming defaulted and credit score being negatively impacted. On at least two separate occasions ( XXXX and XXXX ) I have provided the correct mailing and email address information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call on XX/XX/2023 at XXXX from Alltran. 

I do not know why you are calling. Nevertheless, cease and desist. 

If communications from your company continue, I have no choice but file a civil suit. 

For your convenience, an additional complaint was filed with California Attorney General. Please ensure you address this time sensitive matter to prevent additional complaints and/or suits. 

*This is an attempt to correct your records, any information obtained will be used for that purpose.

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 2023-03-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This problem might not get fixed, but at least I documented the issue. I already filed a complaint because for some reason, Apple would not process my application so that I could get a card. It took me submitting an application like 59 times just to get them to run my credit. I finally was able to get the card, once they ran my credit and have used it for well over a year. Sometimes less, because of other circumstances. I asked for a credit limit increase, and have been denied countless of times even though the info that they send me stating why indicates a score of 790-810. I was told in XXXX to use the card regularly for a month because if we dont automatically granXXXX an increase after 6-months, we usually do so after a year and because I didnt start using the card right away. I did so, and was told the same thing. I asked for them to perform an underwriting, which they agreed to do which might require them rerunning my credit, which I was informed about via email, but was told by a rep that they would not review it and there decision is final. As I tried to explain to the reps, if they did what they said they were going to do, a soft look would have told them that I have a card thats 4X the limit of the Apple Card, which is why I dont get the balance up high that often. Also, when I do go that high, it takes a month or so for my score to go back up because it results in a XXXX point hit to my score. I think they are picking on me because of my name and what my name means. So, them asking me to permanently lower my score to get a limit increase is biases, especially when I have mad more than the minimum payment and well before my due dates. From what I gather from searching the web, this isnt a common problem that I am experiencing. This is prejudice at its core and is something that the average XXXX customer isnt dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Velocity Portfolio Group
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.

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 2023-03-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing regarding my chase sapphire reserve benefits department. On XX/XX/XXXX my rental vehicle was parked and was hit by another driver. I filed with eclaimsline under my rental collision damage protection on XX/XX/XXXX. It is now XX/XX/XXXX and they are still showing my claim is pending. I signed up for this chase sapphire reserve because of the rental collision damage coverage but they do not enforce e claims line to pay the benefits the cars advertises and charges a hefty annual fee for. I have tried repeatedly to reach out to chase card benefits and today spent 45 minutes in hold was transferred twice and no one ever picked up the line. The three prior times I have called they say they are sorry there is nothing they can do and they transfer me to a dead line. I am being billed for this vehicle repair and for the loss of use from the rental car company. I think this is false advertising and fraudulent. This service is not available to chase clients and they do not hold this company responsible but advertise them heavily as a benefit of the card. I am so far unable to get anyone to help me and I am reaching out for help out if desperation. I had all documentation to support the process I have gone through in an tempt to resolve this claim and have now spent over 14 hours total on the phone and emailing and am unable to resolve this. I have checked online and ecalimsline also called XXXX is the benefit administrator for chase they have a 1.2 rating on XXXX  and are not a XXXX  rated company. I have filed with thr OAG of Virginia where they are located and now need to know what I can do to hold chase accountable for the false advertising on their card benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: GOLDMAN SACHS BANK USA
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item recommended by XXXX and got scammed. It was a fake watch, Goldman Sachs ( GS ) was not helpful, the seller was not in America like they represented and said they sold sliding glass doors, not watches. The seller provided GS with a one page document. I paid XXXX XXXX to have the watch appraised and submitted a 20 page XXXX of interaction with the seller and fraudulent claims. I finally was told by a GS call rep to file a police report. I have and have mailed the printed pdf of proof to GS. I have been flagging this transaction since XX/XX/2022. With each denial I have emailed GS additional proof and they say they dont have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX TX - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX XXXX Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

Sincerely, 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