BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with this company RESURGENT/LVNV FUNDING REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RESURGENT /LVNV FUNDING the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had XXXX unauthorized transactions on my debit card at Chase Bank which is attached to my checking account on XX/XX/2023 of 4 transactions of {$43.00} and one transaction of {$33.00} for a total of {$200.00} to XXXX  These transactions were reported immediately that day, which was a Sunday and holiday weekend ; and a claim was created. I received a temporary credit of the total ; however, on XX/XX/2023 I was notified that the claims department determined that I had authorized the 5 transactions. Chase Bank removed {$200.00} from my checking account on XX/XX/2023 and had closed the claim. 

On XX/XX/2023 I requested a letter from Chase Bank stating how they came to the conclusion that I had authorized the 5 fraudulent transactions. I was told the letter can only be mailed, not emailed or place in documents online. I was told it would take 7-10 days to be received. 

As of XX/XX/2023 I have not received that letter. I do not believe that letter exists. 

A police report was filed on XX/XX/2023. 

A branch representative was able to receive from the claims department a XXXX  invoice and an arbitration form for only one transaction.

The Billing Address does not have my name correctly from my debit card and the address does not match my address on my account with Chase Bank. This also makes the shipping address incorrect also. 

I am disputing the billing information does not match my debit card information and account and Chase has no authority in approval of these 5 transactions in the first place.

I want {$200.00} to be immediately replaced back into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX about account # XXXX and # XXXX which is portfolio recovery I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting 120 days late and also collection XXXX is allowing portfolio to commit fraud and they are also by not verifying it and communicating the steps of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/XXXX XXXXXXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother and I as co-owners were in the process of refinancing my mortgage with Freedom Mortgage and was told to provide an upfront fee. I was encouraged to use my credit cards because the refinance was going to be used to pay of the credit cards. 
This upfront fee was to lock in my interest rate of 60 days. 
I decided not to continue with the refinance and was told that this fee was non-refundable. Is this legal in North Carolina? 
I really would like to get this fee refunded since I did not go forward with the refinance. 
Because that almost XXXX in credit card debt that I'm trying to pay off for services that I did not agree to go forward with.

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 2023-06-09
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Event dated XX/XX/2023 some suspecious activity going in my Account. Somebody did some unknown transactions in my account on the same date & time I reported to the XXXX XXXX Department and XXXX XXXX. I saw online there were some unknown accounts under zelle account an there were XXXX transactions on {$1500.00} & {$2400.00} each for " XXXX '' & XXXX '' Both transactions unknown to me. 
On the same date I have to go out of country for 20 days. I reported and representative created the deposit for 2 transactions. I received 2 emails shown in description as denied. 
The helping person from CashApp saw XXXX or XXXX accounts transactions. 

I called so many times to CashApp they are not listening just open and close the case. 

They are saying that they can not verify my info. 

How I can prove them... I think hecker change info in my account, that is the reason those info does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit 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:
I accidentally purchased a subscription for {$7.00} on XX/XX/2022 on an application for my XXXX. I used the Apple Card and immediately told the card issuer on XX/XX/XXXX that it was an accidental purchase. I submitted two claims and both were denied because they were " Not Eligible for Refund ''. However, I never meant to purchase this subscription.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have contacted Credit Acceptance Service many times concerning these inaccuracies on my credit report, they have refused to remove them an they are still listing the car with open late payment with is a violation of my rights, I have disputed the inaccuracies many times and creditor keeps sending it back to the bureaus as verified, I personally them to pick up the car due to I had health issues, this company has violated 15 U.S Code S 1681s- 2 and 15 U.S Code 1681 and 15 U.S Code S 1681a

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 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is giving an error code BLNK i cant get my report i went ahead and send the documents to verify myself even tho when it gives error code blnk it tells that the problem can be solved by calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
Aidvantage bought my loans from XXXX. My family and I have paid off the XXXX loans for the University XXXX XXXX and the last payment was made in 2021. Aidvantage has incorrect information and claims I owe them around {$40000.00} worth of University XXXX XXXX loans which is incorrect. They refuse to correct this mistake and have placed a negative item on my credit report which is impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
As of the statement on my Amex Blue Cash Preferred ending on XX/XX/2023, there was a statement balance of - {$28.00}. As of XX/XX/2023, American Express has failed to refund me my money. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified ( ever ) about a debt from a company that I have done business with. I have paid this company over 7 thousand dollars in the last 2 years for service, they ( XXXX XXXX XXXX ) never notified me of a debt that I owed from 2017 after I recently paid them for maintenance and repairs for a vessel. I recently noticed a debt for {$2000.00} plus on my credit report. I was never notified and I never received anything in the mail what so ever. This has severely impacted my ability to access credit or buy a home due to this false owed amount. This is illegal. This violates multiple consumer protection and federal trade commission rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-10-16
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have many questions for Nelnet. 

# XXXX. I have attempted to call Nelnet several times, and their wait times are preposterous. The longest I've held is two hours before giving up. How can one be expected to wait that long? 

# XXXX. In XXXX though I had set up a monthly Auto-Debit online in the amount of $ XXXX, but I never received a confirmation number or email confirming that the XXXX will actually occur. Is this Auto-Debit set up? If so, what day of the month will it be occurring on? I believe I had set a day of the month when I set up the Auto-Debit, but I did not write it down because I thought I would receive some sort of confirmation. 

# XXXX. I submitted an application for an IDR plan on XX/XX/XXXX, but it is still pending. When can I expect this application to be reviewed and activated? 

# XXXX. As of Friday, XX/XX/2023, my loan balance started showing a status of PAID IN FULL on Nelnet 's website, and I can no longer see the individual loans. I am 99 % sure I do not qualify for loan forgiveness, and StudentAid.gov still reports I have a total loan balance of {$33000.00}. Of course, I would be delighted if I am wrong, and my loans have been forgiven in full, but I suspect this is not the case. I want to ask Nelnet : Why is my status now showing PAID IN FULL? Are my loans indeed forgiven? Or are they being transferred? If the loans are NOT forgiven, is interest still being accrued, even though I can not see my loans? If the loans are NOT forgiven, how am I supposed to make payments in the meantime? I wanted to call Nelnet to understand what has happened, but I have not had the time to wait on hold for 2+ hours to get someone on the line. I've seen stories online from others saying that the line drops anyway once you're finally taken off hold, so I don't see the point in wasting my time. 

# XXXX. I've read that Nelnet is worth over XXXX XXXX dollars, yet their customer service has been laughably poor. How is this legal? Why does this useless company deserve to earn interest from millions of borrowers who are working so hard to make ends meet, while Nelnet itself is allowed to be so absurdly incompetent? The incompetence is so extreme that it feels predatory. Can the CFPB do something about this? This consumer does not feel protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

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 2023-08-14
Company: Experian Information Solutions 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Westlake Services, LLC
State: GA
Product: Credit reporting 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 XX/XX/2022 XXXX XXXX XXXX XXXX, Westlake ServiceINC, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor {$1100.00} XXXX XXXXXXXX XXXX  {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$640.00} XXXX XXXX XXXXXXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! XXXX XXXX XXXX Please remove late payment

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