BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 % .I have never sign a contract with this company.I have also asked for proof of my wet signature showing that i have signed a contract with them and i know for a fact that they can not provide this.I have also disputed these via credit bureau websites and they came back verified but still no validations and proof of my signature with these company. I also never received notice that I was being sued for the garshiment of my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I keep receiving phone calls from portfolio recovery assoc. For a debt that was written off from XXXX  XXXX and XXXX  XXXX XXXX  XXXX XXXX. Both companies write off the losses every year by XXXX of the XXXX t year. I have no indenture with portfolio recovery. The original debt was with XXXX  XXXX and XXXX XXXX XXXX. Need these removed from my credit report and the calls to stop before I litigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to communicate with Citibank cbna for over a year, an unauthorized Transaction for XXXX was put on my card that I didnt ask to do, my limit was only XXXX, why would I charge that amount and its a secured card I purchased, after telling them this, they have reported to credit agency, information is wrong and my Im In titled to my privacy and if chargers was unauthorized, my personal account was hacked and fraud was done on it as well and also alerted citi bank by information was compromised and fraud was done and needed help, with personal Acct # XXXX and credit account # XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 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 XXXXXXXX 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.

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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have talked with XXXX and XXXX who have both informed me they did not share information with the credit bureaus about a bankruptcy, bureaus stated they received them from these companies which I know to be false and per the fair credit reporting act these should be removed

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 2023-08-29
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are trying to collect something thats not under my name which I already spoke to them and they said my name and all the information I gave them is not showing on their system. That they have about 60 names like mines with owing a debt but nothing with my information. The collection agency is called I.Q. International Data theyre phone number is XXXX the balance is {$5000.00} for XXXX XXXX XXXXXXXX XXXX XXXX  XXXX This was opened on XX/XX/2021 thats what shows on XXXX XXXX. I have not lived in apartments over almost 14 years, my address does not match what they say. Thank you. How can I send documents or letters of something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Genesis Credit Management is working on behalf of XXXX XXXX XXXX  where I once resided the pandemic caused me to fall behind two months of rent at {$1500.00} for each month and she sent me a paper with my balance however we went to court and the judge put in agreement that I would move out and not have to owe her and case was disposed the owner however reported debt and she takes the amount up every time I dispute and now says I owe {$8900.00} or something close to that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposit my check at Fulton drive-thru XXXX XXXX XXXX XXXX PA every week. Once, a while back, I deposited a check at Fulton drive-thru, told the employee I didn't need a receipt - then when I logged into my Fulton account it did not show the transaction like it always does, because Fulton employee knew that I didn't take my receipt. I sent Fulton a message asking if they had robbed me, and the employee decided to deposit my funds in my account after all. Today XX/XX/2023 at XXXX, I went to the same Fulton drive-thru, I believe it is the same the same Fulton employee who today took my checks and {$100.00} cash for which I asked for {$40.00} back - then gave me the receipt showing the deposit but not my cash! I asked her for my money and she went to get it. Since I can't see my previous messages on the Fulton website I don't know the exact date. But Fulton should check my old messages for the date of the old message to determine who was the cashier that day, and if it's the same one who tried to rip me off again today - FIRE HER AND FILE CRIMINAL CHARGES. Attached is a photo of the employee who tried to rip me off today. this is the second time that Fulton employee has tried to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The account status is showing Derogatory status on XXXX XXXX XXXX ; XXXX is showing Open status on my credit report. In addition, HOW IS THIS INFORMATION ACCURATE? The Monthly payment for XXXX is showing XX/XX/XXXX for XXXX ; For XXXX and XXXX it is showing monthly payment of XX/XX/XXXX. How is this an accurate account? XXXX XXXX XXXX is showing the High Credit as of {$35000.00}, however, XXXX is showing high credit as of {$35000.00}. ... XXXX is showing Past Due Balance of {$2200.00}. XXXX XXXX XXXX is showing past due balance {$35000.00}. The payment status for XXXX is showing " Late 90 Days ''. The payment status for XXXX and XXXX is showing " Collection/Chargeoff ''. Why the date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was victim of dentity theft. the information listed below, wich appears on my credit report, does not related to any transaction that I have made. 
this is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lived at XXXX XXXX XXXX XXXX XXXX, Texas I moved there to be close to campus with my girlfriend and her twin sister. We all signed the lease under the impression the building was a non smoking building as it states in the lease after months of going back and forth with management there pleading with them on the use of drugs in the building and the constant smoking of cigarettes and weed every day in this building I was advised the issues were being addressed because I am a severe asthmatic after weeks of this promise from the office management XXXX and XXXX they agreed to not charge any balance. If the key was returned the key was returned, and I never thought anything of it because I had already been advised that I wouldnt be charged now it is reflected on my credit negatively and Im getting constant notifications from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED 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 explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$11000.00}, XXXX XXXX Owed : {$6200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XX/XX/2022

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 2023-08-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check into Citibank to open an account from my. I waited the 10 business days to get my ATM debit card once I got it I was working out of state in XXXX Massachusetts. ( XX/XX/23 ) I have my card on my XXXX XXXX over there. While my partner was using my physical card in XXXX XXXX XXXXXXXX where I live, I would get the fraud detection alert and clear it up with Citibank after every purchase or so but I recognize that it was purchases from two different places so that could cause the fraud alert. I got back to nyc XX/XX/23 and the next day the XXXX we went on a shopping spree however with every purchase Citibank would detect fraud and put a hold on my account. I would call and clear it up. On the XXXX the same process would repeat with me calling citi bank to unlock my account. I even tried withdrawal from the Citibank atm itself and that also set off a fraud alert and locked my account. Now XXXX  ( XX/XX/23 ) I withdrew {$1000.00} and ordered an XXXX and the fraud detection alert went off again however this time i called to get it removed but they said they could not verify my identity due to my phone number and would not give me any other explanation than their third party verification system would not allow me to use my phone number and there is no other option. They sent a letter that will arrive in 5-7 business days. I can not wait that long because I have a trip to XXXX XX/XX/XXXX meaning if I wait I would have to cancel my trip. I truly believe I am being discriminated against because of my race and living area. I do not believe every other customer at Citibank goes through this type of scrutiny when accessing their funds.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been stolen and used. I have a collection for XXXX XXXX and several inquiries that need to be deleted immediately. My identity theft report has been attached below.

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 2023-08-30
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX at XXXX, my XXXX XXXX XXXX was repossessed without my knowledge. I was not told beforehand after I made a payment on XX/XX/XXXX. When, I called in regards to the matter, was told that I had to pay {$2000.00} to retrieve vehicle. This included {$680.00} for towing fee and storage fee. I was, also, told that there was no record of my payment of {$250.00} on XX/XX/XXXX and that I was several months behind, although, I've been on a " every XXXX weeks '' payment plan and have record of payments made through several accounts. This was after my contract was illegally sold to a debt collector, although my contract wasn't in default when sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX  the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: NJ
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:
I purchased a coat from jomashop on XX/XX/23 and returned the coat through usps XXXX. XXXX has confirmed that the package was delivered to an individual at the merchant address. The merchant however has refused to issue a refund. I have disputed the charge with my citi credit card however my credit card has said the company disputed the charge and will not respond to their calls or e-mail and cant resolve my dispute or refund.

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 monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please update ASAP.

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 2023-03-30
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
US BANK applied a wrong check from XXXX XXXX XXXX that they claimed our vehicle was a total loss and send us a check that included our overpayment. We had XXXX XXXX at that time. The overpayment was for XX/XX/XXXX, of {$310.00}. US Bank found the mistake and found out that the check from XXXX XXXX XXXX had been applied to the wrong vehicle. But now they have not send us our overpayment. We have been communicating since XX/XX/XXXX and they keep saying we will receive it XXXX business day but nothing.

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 2023-08-30
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit of the account was paid in full, the Credit Card Company states the card holder owes them fees and interest. The Credit Company still owes the card holder money involved in these transactions On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. The money was taken by the credit card company and was not returned. The money from the two transactions were intended to pay the monthly fees, but the credit card company took the money and billed the credit card holder late fees. The credit card company still threatens my credit with latest fees. Their response to the last complaint did not identify two late fee transactions and they refused to stop billing late monthly fees and interest on the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cavalry portfolio services , LLC, has failed to provide any supportive documentation according to ; the Florida standard jury instructions of the state oXXXX XXXX XXXX XXXX XXXX XXXX  of such debt. There is two accounts currently reporting on my credit report that I do not recognize. An FTC has been filed.

Company response to consumer: Closed with explanation