BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-03
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous letters and phone calls from Ad Astra Recovery Services regarding a debt that I do not owe. The letters say that I am seriously delinquent on an installment bankline loan with XXXX XXXX. I have never taken a commercial loan, nor have I ever had any dealings with XXXX XXXX. 

I spoke with a representative of XXXX XXXX and told them that I do not owe this debt. Nevertheless, they have continued to send me harassing letters threatening to hurt my credit. The letters state, falsely, that since you failed to respond ... we are now proceeding under the assumption that the debt is valid. They say that if I dont pay {$3500.00}, they will hurt my credit. 

Please help me stop these harassing an unfounded communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-06
Company: CreditNinja Lending, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a high interest loan due to financial crisis. After working with a XXXX XXXX, he advised me to investigate whether this loan is in fact legal? Due to the fact that the interest rate was a 199 % and the online " lender '' is out of state. 
Online loans are illegal in MN and lenders need an NMLS # to do business in MN. To my knowledge, they don't have an NMLS #. Questioning whether they need an NMLS or if they're " covered '' under the FDIC Bank they're partnering with? 
I have since transferred this loan to another lender at 0 % interest. Do I have any recourse at thi point???

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 2021-07-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
I leased the car for 3 years from XXXX to XXXX. I didn't put many miles on it and I purchased the car with an auto loan from Chase ( my bank ). Chase paid XXXX XXXX on XX/XX/XXXX for residual value XXXX + tax total XXXX XXXX 
Some times last year XXXX in summer I paid off the loan. ( for some reason it disappeared from my online banking after I started to call on almost weekly bases Chase Auto Finance Title ). They sent me 2 letters with the lien satisfied but it is not enough to get a title from DMV. They need the Bill of Sale, and the Federal Odometer Disclosure plus an additional XXXX $ in taxes which in their data base is missing because Chase didn't report the sale I guess. 
Anyways, I called XXXX finance and they said the Title was sent to Chase Auto Finance on XX/XX/XXXX. A CSR from Chase confirms that the Title has been received by Chase in XX/XX/XXXX. They also opened a ticket with my case XXXX and since than I keep on calling they say in 2 days a manager will call me and nothing. The completion date of the ticket supposed to be XX/XX/XXXX but until today XX/XX/XXXX Chase didn't do anything. All they need to do is to send the title to me and also all the documentation regarding the sales tax and the odometer disclosure. I'm not sure what is the legal way to deal with this issue anymore. Please help. I'll attach the documents I have in hand for you to review them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. This is regarding to my loan with XXXX under NewRez. They filled a duplicate lien on my deed. I only have XXXX loan but there were XXXX liens filled. It was filled by XXXX. They filed the same Deed of Trust on my loan twice within XXXX hour and XXXX minutes of each other on XX/XX/XXXX. I contacted them on Thursday XX/XX/XXXX and ONCE OR TWICE A WEEK AFTER THAT regarding to the need to have a release prepared and recorded and sent to me. 

On XX/XX/XXXX, they refused to do it because I have not paid off my loan yet. HOWEVER, there was a duplicate that needs to be released so it should not be the reason. The back office team was very irresponsible. They did not even investigate well on the DUPLICATED lien filed on my deed. I had to talk to another representative AGAIN to submit another request. 

This is very frustrating because I need that " false '' 2nd lien on my deed to be released so I can move forward with my home equity loan. Their mistake is preventing me from getting my equity loan to buy another property. If I did not find out, this thing will stick on my record for a longer time. They did not work on it seriously to correct their mistake.

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 2023-02-16
Company: EQUIFAX, 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:
According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. LVNV IS NOT LETTING ME EXERCISE MY FEDERALLY PROTECTED RIGHTS UNDER THE FDCPA. 
I HAVE REACHED OUT TO LVNV AND THEY KEEP RESPONDING TO CFPB SAYING A LITIGATION IS PENDING OR PRIOR ON THIS CONCERN WHICH IS INACCURATE NO LAWSUIT IS IN PLACE AS OF FEBURARY XXXX. I SPOKE WITH XXXX XXXX ON XX/XX/XXXX THAT WORKS WITH THE ATTORNEY XXXX XXXX THAT TOLD ME THE SUMMONS THAT WAS FILED XXXX XXXX IT WASNT SUCCESSFULLY SERVED AND HAS EXPIRED AND SHE TRIED TO GET ME TO PAY IN FULL OR SAID I COULD SET UP A PAYMENT ARRANGEMENT WHICH IS STILL ATTEMPT TO COLLECT ON A DISPUTED DEBT PURSUANT TO 15 USC1692G ( B ) ALL COLLECTIONS SHALL CEASE DURING DISPUTE. XXXX ALSO STATED MY LETTERS ARE ON FILE AND THEY HAVENT DECIDED IF THEY WILL RESPOND TO THE VALIDATION OD DEBT WHICH IS OVER A MONTH PASS THE DUE DATE. THE CIVIL CLERK AT XXXX DISTRICT ALSO TOLD ME THE SUMMONS WAS NEVER SERVED. LVNV IS WILLFULLY AND NEGILENT NONCOMPLIANCE WITH FEDERAL LAW. I WAS NEVER SERVED NOR HAVE I RECEIVED ANY NOTICE SHOWING SOMEONE TRIED TO SERVE ME. I SENT LVNV A VALIDATION LETTER THAT WAS RECIEVED XX/XX/XXXX BY XXXX XXXX, DUE TO XXXX EMAILS I RECEIVED ON BEHALF OF LVNV USING OBSCENE AND PROPANE LANGUAGE AND THRETHENING ME TO TAKE LEGAL ACTION THAT CANT BE TOOKING. I HAVE SENT MULTIPLE LETTERS AND THEY FAILED TO RESPOND AND CHOSE TO USE THIS STALL TACTIC. PURSUANT TO 15 USC 1692i ( b ) NOTHING IN THIS SUBCHAPTER SHALL BE CONSTRUED TO AUTHORIZE THE BRINGING OF LEGAL ACTION BY DEBT COLLECTOR. NOR DID I SIGN A CONTRACT TO AGREE TO A SUE.

LVNV HAS NOT HAD MY PRIOR CONSENT TO CONTACT ME PURSUANT TO 15 USC 1692c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My ex girl friend used XXXX to send money to my chase account and than to her XXXX XXXX account - its a clear money trail but chase refuses to assist properly and told me to contact XXXX - I contact XXXX and they tell me to contact my bank. And now shes using my account to pay her rent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To whom it may concern : On XXXX  XX/XX/22 I fell victim to a very detailed and elaborate online banking scam using my Bank of America online account and the XXXX transfer app. I was contacted by an impostor claiming to be a Bank of America representative calling from the corporate office. Very believable since they called from the XXXX number used by Bank of America. He gave me my debit card number ( also reassured me this was real ) saying that they stopped a theft of {$540.00} at a XXXX in XXXX Texas while confirming my current address in XXXX XXXX XXXX  Stating they will be sending me a new debit card. Then saying there was a pending transaction in my savings account of {$3500.00} that they needed my assistance to stop. They gave me my current savings account balance, then said I needed to make a XXXX money transfer using my bank account app. The transfer was for {$3500.00} using XXXX being sent to myself. Heres where I missed the key to the scam. They then gave me a jumbled up version of my own name as the recipient to transfer the funds to. Once I did that the money was gone but I didnt notice until the following day. They explained that I should not use the bank app for 24 hours because it would impede there investigations into my account while they searched for the I.P. address of the offender. All while they are the offender!! I eventually called the bank fraud department only to find out its a familiar scam to the bank. To my horror then to find out the bank will not help or protect me. Since XXXX is a 3rd party app and has no protection of its own my money is gone for good! As I sit here typing and still shaking since this is money Im living off of since being on unemployment. Also, waiting to be put on the XXXX XXXX  list. Bank of America stated that they would look into this but I wouldnt be getting my money back. But theyd contact me with any information on the investigation but it could be up to 45 days before hearing from them. 
Bank of America refused to refund my money to my bank savings account. I filed a police report that was advised by Bank of America 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 2020-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023, at approximately XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Complainant '' ), received a phone call from PNC Bank representative XXXX XXXX XXXX XXXX XXXX XXXX of Customer Relations. XXXX XXXX, informed the Complainant that PNC Bank was in receipt of the Complainant 's filed against PNC Bank on XX/XX/2023. However, the PNC Bank representative went on to discuss actions PNC Bank took in another complaint filed against it by the Complainant. The PNC Bank representative made the bogus assertion : " XXXX XXXX, PNC applied the {$3700.00} of over payments you made, to your principle balance. '' Although difficult to do. The XXXX held his tongue in check. The Flex Modification over payment of {$3700.00}, made by the Complainant " XXXX '' be applied toward his mortgage not his principle balance. The Flex Modification is a " CONTRACT '' entered into between the Complainant and Fannie Mae, and not some XXXX Bank whose only goal is to fleece the public. Yes. It has become personal. PNC Bank has XXXX 's full attention. PNC Bank 's malfeasance, the misappropriation of the XXXX 's Flex Modification over payments is violative of contract law as well as the XXXX 's right to due process, in violation of his right of equal protection under the law. The XXXX 's over payments-payments coerced by PNC Bank XXXX SHALL be applied to the XXXX 's mortgage, not to his principle balance. As if the Complainant actually believes the defendants who have consistently engaged in fraudulent and deceptive practices from the very beginning Fannie Mae hired these predictors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Reference : XXXX ( www.easternaccounts.com ) Greetings, good morning. 

I come to you for help since the XXXX XXXX people will not let me live in the peace that I need as a XXXX senior citizen. 

On XX/XX/XXXX of last year I moved to this community looking for the peace that I did not have in XXXX XXXX. 

I called XXXX to get cable and internet. Before doing so, I asked some neighbors what Wifi signal worked well in this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

They recommended XXXX. I called and they immediately opened my account # XXXX. The next day I had the mandatory installation equipment delivered to my apartment door by XXXX. 

From the same day I called I had a fast signal on my cell phone ( XXXX XXXX XXXX ). 

It wasn't a week later when I called them complaining that my cell phone signal was too poor. 
Then, they told me that they would transfer me to XXXX. Then, I told them that I had not done business with XXXX, that it was with them. They told me that the signal in this community was poor. The next day I had XXXX equipment at my apartment door. 

And there began the second part of my agony with these intransigent and insensitive people. They started charging me for the first month of the poor service I had for a couple of days. I have evidence in my possession ( Available at your request ) that shows that since XXXX of last year it has been a tireless struggle with these people. 

In every collection call for not delivering their XXXX equipment I explain to them that I live alone, I am an old man who can hardly walk and I have no means of transportation either. In each of these calls either made by me or by them, they can't understand how they themselves have transferred me to the competition. 

The thing is that to end the long story for the moment in the last call I was told that the next day XXXX people would come to pick up the equipment. It's been over a month now and the last thing I received a few days ago is a collection letter from Eastern Account System of Connecticut , Inc . 
In this letter they are threatening me that I have until XX/XX/2023 to pay the bill. I have been taking care of my credit for decades and maintain an empirical of about XXXX. 

ISN'T IT STRANGE THAT XXXX XXXX OPENED AN ACCOUNT FOR ME WITHOUT ME APPLYING FOR IT WITH THEIR COMPETITOR? 

I hope you can help me continue to keep my credit spotless and can do a thorough investigation into this strange occurrence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Mercedes Benz Financial Services
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 traded a car at Mercedes two years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have TT tied to get them to correct this on my credit report it still shows inhave a XXXX XXXX  loan out whe it should be closed and marked as paid I have reached out to Mercedes they are willing to help its expire and that is giveing me the problem they have computers who make choices for them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX  act # XXXX has violating my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: SANTANDER HOLDINGS USA, 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: Reporting company used your report improperly

Complaint:
i have contacted the company to advise that i was victim of fraud while i was in XXXX the company has failed to verfiy the accuarte information so i am demanding it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and dispute this Account the are reporting in my credit {$1100.00} the I dont have no knowledge where it comes from, its the coming from ( Enchanced Recovery CO L XXXX ) AT & T . 
I didnt authorized to nobody to use my information in no party for no reasons. I Would like to get a report about it thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Funds not allowed to be accessed. Waiting periods. ATM fees. Overdraft fees. Never having credibility when I have had an account for years.

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 2023-05-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone used a fake identity to withdraw {$20000.00} from my checking account on XX/XX/23. The report has been reported to my bank and they are investigating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
Company: Applied Data Finance, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan online due to financial crisis. I was later advised that online loans are illegal in MN and lenders need an NMLS # to do business in MN. I believe MN law is lenders can't charge more than 33 % on loans under {$1000.00}. The loan was for {$900.00} and interest rate being charged is 41 %. 
Is this loan legal? And can they be forced to lower interest rate, if so?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One credit card. 
Quick Silver Acct XXXX I have 2 capital one credit cards. For some reason they are not reporting this particular card to XXXX XXXX XXXX. Only reporting to XXXX. 

Its throwing off my scores from each other on accounts open and credit availability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
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 am requesting that it will be removed from my credit report as soon as possible.

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