BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2023-09-23
Company: DISCOVER BANK
State: FL
Product: Credit 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:
On XX/XX/22 & XX/XX/22 there were unauthorized/fraudulent charges made to my Discover credit card. On XX/XX/22 I lost my cell phone and later on I realized I lost some credit cards too. These credit cards were in a small pouch, not in my wallet. 
I have auto pay set up on my discover card and didn't realize that the charges had been made until several months later. I reported the fraudulent charges as soon as I became aware of them. The charges were {$980.00} at XXXX XXXX, {$88.00} at XXXX XXXX XXXX and {$3200.00} at XXXX XXXX XXXX, all these charges happened in XXXX XXXX XXXX  XXXX 

Discover card is denying my claim and when asked for an explanation I was told that the merchant claimed the charges were made in person and " validated. '' When I asked how were the charges " validated '' the agent, XXXX, stated that she didn't have that information. I was also told that I had file 2 other claims in the past to which I note, I've have had my Discover card for over 10 years, and this is not the first time Discover falls short on their duty to protect me. One time XXXX sent a package that was lost by XXXX, XXXX sent confirmation that they couldn't confirm the delivery, yet Discover made me responsible. Another time, I lost my wallet, charges were made and a police report filed, but I was told by a Discover representative that when I called they input that I wasn't " happy with the purchases '' and that's why the fraud claim had been denied. I have paid Discover both times despite them failing to protect me and me not receiving any goods/services or having had authorized the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing a formal complaint regarding the debt collection practices of LVNV Funding LLC and related entities. On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending a letter to request validation of a debt, verification of ownership, and proof that the debt is indeed mine. I also explicitly requested that LVNV Funding LLC refrain from further collection activities until these verifications were provided. 

Following my initial communication, I received collection notices from various entities, including XXXX XXXX and XXXX XXXX XXXX, which created confusion and uncertainty regarding the legitimate debt collector and the amount owed. On XX/XX/2023, I received an email from XXXX XXXXd, indicating an outstanding debt of {$1600.00} attributed to LVNV Funding LLC, adding to the confusion. 

On XX/XX/2023, I received a collection notice for a different amount, {$2000.00}, with an attached statement from XXXX XXXX that did not provide a clear breakdown of charges or a valid explanation for the amount sought. In the same correspondence, an " account summary '' indicated that LVNV Funding LLC was the purported owner of the debt. This pattern continued when, on XX/XX/2023, I received another collection notice, this time from XXXX XXXX XXXX, also demanding {$2000.00}, with the same account summary and credit card statement, causing further confusion. 

Most recently, on XX/XX/2023, I received an email from XXXX XXXX, once again seeking a payment of {$2000.00}. Throughout this entire process, I have not received the requested contract, statements detailing the balance due for specific charges, proof of debt ownership, or proper validation of the debt in question. 

I am deeply concerned about the irregularities, discrepancies, and apparent violations of the Fair Debt Collection Practices Act ( FDCPA ) that have occurred during this debt collection process, including the failure to provide proper validation of the debt, communication from multiple entities on behalf of LVNV Funding LLC, and the lack of clear, transparent, and detailed account statements explaining the balance being sought. 

I believe that these actions and practices may constitute violations of my rights under the FDCPA and related consumer protection statutes. Therefore, I am filing this complaint to request a thorough investigation into these matters and to seek resolution in accordance with the law. I kindly request that you review the attached documentation and any further details necessary to assess and address these concerns. 

I remain committed to resolving any valid financial obligations I may have, but I insist that all collection activities are conducted within the boundaries of the law and with full transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this alleged debt, and do not have a contract with the debt collector, they have failed to provide me with the original contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Coast to Coast Financial Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Coast to coast financial solutions Contacted me XXXX mail on a debt with XXXX XXXX XXXX XXXX XXXX say i owed a debt to said company. I received a email from the same company the previous week stating I didnt owe them anything. I also spoke with the company numerous time stating I canceled my services with that company in good faith and started service with another company. I will be sending out the dispute with the company so they are aware of the conflicting claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2023-01-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was a customer with Wells Fargo from XXXX until XXXX over this period we were denied refinance request over and over. These continual refinance request denials during a period of hardship were difficult. The request denials for help because of loss of income during the market explosion forced us ultimately into bankruptcy, to protect us from foreclosure actions that was initiated by Wells Fargo in XXXX. I would like to formally request information how settlement qualifications are being considered. And if I fit the criteria to apply.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : Chase - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Reference complaint number XXXX, which has been closed by the company, Wells Fargo . This complaint stems from the fact that on XX/XX/XXXX, per my telephone conversation with WF Representative XXXX, I was informed that when my automobile was repossessed, WF sent the title to the company they used to repossess the automobile. When I paid the {$4800.00} in full to get my car back, the repossession company returned the car title back to WF, at which time WF stored the title in their vault! When I inquired, why did you not send me my car title, XXXX informed me that the customer/purchaser has to request the car title! When I informed her that no one at WF ever told me I had to request my car title after I'd paid in full the amount owned on the car. At which time she asked me, " then how did you know to request the title in XXXX? '' To which I informed her that I had a buyer for the car, but I could not sell it because I did not have my car title! It is not my fault that WF has/had some crazy plan/policy or whatever that when you pay off a car loan they put your car title into their vault! And, that you ( customer/purchaser ) has to request a copy of the car title you just bought! That's insane! It's your car title when you pay off your car loan, NOT WELLS FARGO 'S. They should have sent me my car title instead of waiting for me to request my car title. And then WF did not send me my car title. They sent me information to be used to secure a car title from my local XXXX! I still believe that WF did not if they ever had title to my car. And that's my complaint. I think that by not sending me my car title in a timely manner, WF cost me that sell and several others I could have made had I had my car title. Therefore, I think WF owes me the {$4800.00} I paid 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 2023-11-08
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have 2 Aspire Credit cards. One ending XXXX with a {$500.00} credit limit. Annual fee of {$79.00} in XXXX and {$10.00} a month maintenance fee that just started XXXX or 5 months ago. I contacted them through chat because its the only option to contact them. Through chat they said I have to call customer service at XXXX, that phone number doesnt work. I keep getting a message from XXXX XXXX XXXX the call can not be completed at this time. Ive been calling everyday since last Friday, during their business hours. I then sent a message through the account mobile app. Originally I was going to cancel this account. I was sent a message that apr was converting to fixed from variable on XX/XX/XXXX. After these problems I decided to close the other account as well ending in XXXX. On XX/XX/XXXX this account is also moving to a fixed rate apr. Maintenance fees are going to {$150.00} a year, also an annual fee on the annual anniversary date. This one has a {$2000.00} credit limit. I got an email this morning from my message I sent through the app and they once again said I had to call customer service and phone call still doesnt go through. So they give me until XX/XX/XXXX and XXXX to close my accounts if I dont agree with the new fee policy, but customer service phone number doesnt work. Thank you for your assistance. Aspire credit card is issued through XXXX XXXX XXXX  I believe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Dept of Education /XXXX Account # XXXX {$3500.00} {$4600.00} {$6500.00} {$3300.00} have violated my rights. 

15 U.S.C 1681 c-2. Congress states that the bureaus have 4 days to block and remove any information you identify as identity theft 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.

Company response to consumer: Closed with explanation