BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CFPB, RE : XXXX XXXX XXXX XXXX XXXX XX/XX/2023, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. XXXX and XXXX XXXX XXXX did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, XXXX and XXXX XXXX XXXX XXXX has closed this account and returned it to our client. XXXX XXXX will not be hearing from XXXX and XXXX again regarding this account. XXXX and XXXX XXXX XXXX XXXX XXXX 

Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( LVNV FUNDING LLC XXXX XXXX XXXX  XXXX et al ). 

XX/XX/2023, and XX/XX/2023, Pages 2 of letters sent via USPS from XXXX XXXX XXXX XXXX XXXX XXXX state : The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV FUNDING LLC can not sue you for it. If you do not pay the debt, LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid. 

Despite Admitting no wrong doing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX did not threaten legal action... and does not report to the credit bureaus.

yet LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid. 

As such, apparently, XXXX XXXX XXXX XXXX XXXX XXXX choose to ignore Page 2 of their own letters.

Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved. 

Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service . 

Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.

Get these perjurous panhandling frauds out of the Peoples inboxes. 

XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have received a hard inquiry under the vendor TD XXXX XXXX XXXX, on XX/XX/2023. This has not been initiated by me and I do not recognize this vendor to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: PLS GROUP, INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Hello During XXXX, I obtained a money order in the amount of {$500.00}, there was not a fee to obtain the money order. I subsequently lost the receipt that comes with the money order and inadvertently made the order out to the wrong person. I tried to correct that error by drawing a line through the payee portion and write in the correct payee. I was told that because of this, the order was not any good. I then tried to return the order for a new one or get my money back. I was told that because I did not have the receipt I could not get my money back. I still have the money order in my possession and would just like to get my money back minus the stop payment fee or get a new order in the same amount. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
In XXXX of sometime, I had my ex girlfriend my account number and login. She changed my password without asking. I found that my ex ( XXXX XXXX ) and my cousin ( XXXX XXXX ). Had been sending money to my account and changing my password. To hack my account! They sent {$1000.00} to my account sometime in XXXX. I never realized that the account they have set up to send the money was a fraud to rob me of money. In XXXX they sent me {$1000.00} to send back to them from XXXX. The bank and I set the transaction as fraud, sometime in XXXX. I have had sent the only {$1000.00} to my account to send to there account in XXXX XXXX. The {$1000.00} went threw, and the bank had overdrawn my account from the XXXX payment that was two separate {$1000.00} transactions, that the total of {$2000.00} was never in my account and was set as fraud In my account was withdrawn from my account of a total of {$2000.00} from the XXXX transaction that was withdrawn of an overdraw of the {$2000.00} from my account that was already marked as fraud was still withdrawn. No other bank ever or can withdraw any money that is not there at all, can withdraw any money from an account. There names are and we're not on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
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: Was not notified of investigation status or results

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX my mother opened a XXXX credit account using my personal information. Due to my still being in the XXXX, in the middle of a XXXX XXXX, I certainly could not have ordered the items she had nor did I order the subsequent items she charged to the account. Nevertheless, I added the item to my XXXX  XXXX bankruptcy the following year starting in XX/XX/XXXX. I acknowledge that this is the assumption a debt is valid but that is not the reason for my issue today. 

As I said, the bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX. And the account in question ending in XXXX was added to that and XXXX was contacted by my bankruptcy attorney. Four years later in XX/XX/XXXX, I am notified that XXXX has reported a recent delinquent payment for XX/XX/XXXX. I had not, neither before, during, or after the discharge of my bankruptcy done any business with XXXX. In fact, the only online portal I have access to via the email my mother fraudulently opened my account with shows no information regarding orders, shipments, or late payments. 

Initially, I was attempting to remove the previous late payments of XX/XX/XXXX due to them being family fraud. Not wanting to cause legal issues for my mother or pay the balance she left, I let it go. This was before realizing that there is a multitude of consumers who had XXXX open " XXXX '' accounts using their information, adding in many unknown late or missed payments for balances transferred from their original account. It now makes sense what error may have occurred, my old account information including the balance from the discharged debt may have been transferred to this new " XXXX '' account and like many others, I unknowingly received a missed payment for an account I did not consciously open. After disputing this with all three bureaus, only one remains with the late XX/XX/XXXX payment and that is Equifax. Reading the investigation, Equifax affirmed incorrectly an account balance and the date. 

I have not been provided with a statement of any new account information, balances, items purchased, or anything to confirm that I did indeed open another account. I challenge XXXX to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The website frequently does not operate. Going to make a payment will result with zero loans showing, unable to view past statements, and unable to make a payment. This has repeatedly happened. Several payments have posted late for the reason of the website not functioning. 

I have tried multiple browsers. Including, XXXX, XXXX, XXXX and XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XXXX, I was coerced to wire transfer money from my Chase Business account to help another business with a promise that once the project was finished, I would receive my money with interest, It was a scam, I contacted Chase and filed a complaint and also went to a local bank. I was advised that Chase had an ongoing investigation to help me recover my money. {$5500.00} and {$20000.00}. 
I have not received any funds back into my account and it is closed. 
I have filed a complaint against the business and the Federal Trade Commission was made aware but I would like to complain about Chase bank lack of concern in recovering my funds. As quickly as they were to release my funds, they should have helped me to recover. I rely on XXXX XXXX and long-term XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was originally scheduled for my tubal ligation mid XX/XX/2020. I received a phone call from XXXX saying that I had been mistakenly booked at a place that did NOT accept my insurance. I ended up being scheduled at XXXX XXXX XXXX XX/XX/2020. I verified with XXXX at XXXX XXXX  XXXX XXXX ( right next door ) that THIS place is covered by my insurance. She assured me I was covered and no out of pocket costs/bills besides {$25.00}. The XXXX XXXX  requested my payment of {$25.00} prior to XXXX and told me Im all set. Ive made phone calls to XXXX  XXXX XXXX  and XXXX XXXX XXXXXXXX directly after receiving this bill and they kept sending me back and forth to each other pointing the finger. I should NOT be responsible due to workers error! I could have gone elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 a withdrawal of {$3400.00} was made from my Capital One savings account. I did not make or authorize this withdrawal. I contacted Capital One via phone when I noticed the withdrawal from my account ( approximately XX/XX/2021 ). Case # XXXX was opened, and I was told that the money would be returned to my account. As of XX/XX/2021 my money has not been returned. My attempts to resolve this through Capital One have been unsuccessful. I've spent more time on hold than speaking with an actual person over multiple phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
CREDIT REPORTING : On XX/XX/XXXX, Selene Finance, LP approved and closed on a mortgage modification to help with the mortgage payment. The mortgage modification took the outstanding balance and added the PAYMENTS in arrears ( both principal and interest ) ; no change to the 8.75 % ; increased the payments from {$2400.00} to {$2600.00} ; and extended the maturity date by 60 months ( 5 years ) Was in foreclosure proceedings, until XX/XX/XXXX ( attorney representing Selene, LP vacated without prejudice ), when was approved by the New Jersey Emergency Residential Mortgage Assistance ( NJERMA ) which covered all the payments in arrears and paid an additional four ( 4 ) months of payments. 
Suffer from XXXX XXXX XXXX ; XXXX XXXX XXXX  and XXXX XXXX XXXX which rendered me unable to work from XX/XX/XXXX to XX/XX/XXXX. Was not eligible for states disability. 
From XX/XX/XXXX to XX/XX/XXXX, NJERMA paid the monthly payments, timely and Selene was aware of the payment source. 
My credit report shows twelve ( 12 ) months of past due payments. Selene, LP does not refinance, and no mortgage lender will refinance the mortgage until there are twelve consecutive mortgage payments reflecting current status. 
For the XX/XX/XXXX payment I was able to pay. The funds were deducted from my checking account of XX/XX/XXXX and through whatever processing method Selene has internally did not post until XX/XX/XXXX. 
1 ) Loan Modification INCREASED the payment. Could not make the payment prior to the modification ; thusly could not make the increase payment. 
2 ) Internal processing payments by Selene if nothing I can control/manage. 


HOMEOWNERS INSURANCE : XXXX XXXX, XXXX XXXX, no longer underwrites homeowners insurance in New Jersey. Was able to find XXXX XXXX XXXX ( XXXX ) to underwrite homeowners insurance and the cover parallel the previous XXXX policy. The first year of homeowners ; insurance was to be paid in-full as a condition ( as well as being the wiser economic choice because monthly payments include administrative fees ). 

Selene, LP was provided the declaration page which has the company as lend holder as well as the invoice from XXXX showing payment in full. Selene, LP sent out an escrow analysis which increased the payment to {$2800.00}. 


SIDE NOTES : 1 ) I can work. However, not in excess of XXXX  hours. I am employed earning XXXX XXXX. 
2 ) Have exhausted all of the Federal / State Programs offered. With the status of the credit reporting which does not meet other mortgage lenders criteria, a mortgage forgiveness consideration or program is the only other resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In regard to XXXX and TransUnion, I had sent a " Goodwill '' request to XXXX, asking them to fix the errors ( not delete them ) before disputing the reporting errors with TransUnion. The letter XXXX XXXX and XXXX sent back in response was that they are 'accurately reporting and can not change the rating status '. TransUnion 's response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.

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 2023-11-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX FI XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-28
Company: FirstCredit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Firstcredit Services calls multiple times a day from different phone numbers. I do not answer and block the phone number each time. Then I receive a call from another number.

To the best of my recollection, I picked up the first call I received a few years ago and told the individual to remove my name and number from their lists.

My credit score is over XXXX I do not have any outstanding debt. Nothing I owned is financed. 

These call are beyond harassing. They interrupt my other calls and daily activities. 

Please contact the company on my behalf to stop these calls or direct me how to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been with Wells Fargo since XXXX until the present ... I'm completing this complaint because of the lawsuit you have going on because I have had problems with overdraft fees and illegal activities

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