BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Linebarger Goggan Blair & Sampson LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence about a debt that was not mine on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP stated that I owed a debt and used language that was oppressive and abusive in this correspondence. 
On XX/XX/2021, I sent correspondence to Linebarger Goggan Blair and Sampson, LLP which included : - an affidavit or truth - cease and desist - debt validation letter - invoice for {$5000.00} for violating my rights under the FDCPA. 
15 usc 1692e ( 3 ) for false and misleading representation. 
15 usc 1692e ( 5 ) for false and misleading representation. 
15 usc 1692e ( 9 ) for false and misleading representation. 
15 usc 1692d ( 2 ) x 2 for using obscene and profane language with the intent to abuse and harass me Linebarger Goggan Blair and Sampson, LLP received my correspondence on XX/XX/2021. 
Linebarger Goggan Blair and Sampson, LLP responded to my correspondence on XX/XX/2021 by providing false and misleading documents and stating that the FDCPA did not apply to them. 
I responded to their correspondence on XX/XX/2021 with documentation proving that Linebarger Goggan Blair and Sampson, LLP was not exempt from the FDCPA like they alleged and stated that by them not rebutting my affidavit of truth with an affidavit of the truth of their own, they defaulted. 
I gave Linebarger Goggan Blair and Sampson, LLP an opportunity to cure by -honoring cease and desist -paying the original {$5000.00} invoice -XXXX  the balance of the alleged debt -deletion of alleged debt from all consumer files -a written apology On XX/XX/2021 at XXXX I received harassing and abusive communication that went on for 7 minutes and 30 seconds from the office of Linebarger Goggan Blair and Sampson, LLP . 
On XX/XX/2021, I sent an Linebarger Goggan Blair and Sampson, LLP correspondence that included : - a notarized affidavit of truth - cease and desist - invoice for {$30000.00} for violating my rights under the FDCPA - 15 usc 1692c ( c ) - {$1000.00} for violating cease and desist 15 usc 1692c ( c ) - 15 usc 1692d ( 5 ) - {$1000.00} for causing my phone to ring - 15 usc 1692c ( 1 ) - {$1000.00} for communicating with me at a time that was inconvenient - 15 usc 1692c ( 3 ) - {$1000.00} for communicating with me without the permission of my employer - 15 usc 1692e ( 5 ) - {$1000.00} for stating that communication is from an attorney - 15 usc 1692d ( 2 ) - {$1000.00} for using obscene, abusive and harassing language - 15 usc 1692d ( 5 ) - {$1000.00} for engaging in continuous phone conversations with the intent to harass, abuse and annoy me - {$23000.00} for the XXXX  that was caused by abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Just recently I had a birthday and asked my father for assistance with catching up on payments that I was behind. The original amount I was past due was {$2200.00} I requested {$1500.00} in assistance from my father in hopes to apply it to my account to bring it current. After agreeing he asked me for the information to my account to make the payment and ensured me it was taken care of when I asked him if he was sending me the money. A few weeks went by and I received a phone call from a representative on the XXXX asking for payment to which I didn't understand. After speaking to the representative I learned that I was behind for the months of XXXX and XXXX to which an extension was granted. The agreement was to make the payment for XXXX on the XXXX. On the XXXX I found out that there was actually no way for me to make a payment at all and the amount due was for {$6100.00}. Confused I called the company and spoke to a few different representatives and was ultimately told that upon review of the account there had been checks mailed out on my behalf that were returned for ridiculous amounts which when asked, I was told checks written for {$9000.00}, {$9500.00}, {$9300.00} and one for  {$4500.00}. When asked which bank was listed as the paying account it was for a bank account I am not familiar with. I am positive this had something to do with my father and not only were these fraudulent payments not authorized by me, the original {$1500.00} I asked for was no where to be found, which I had requested as cash for my birthday. Now I'm facing a possible repo whether voluntary or involuntary, unless I can come up with the past due amount which exceeds {$5000.00}. When asked I was told the account is past due by 352 days which doesn't even make any sense whatsoever to me because I've only had the vehicle for a year which would have meant no payments were ever made since I bought the vehicle. I am attempting to get this matter resolved and this issue fixed so that I can keep the vehicle and get back on track because I am 99.9 % certain some sort of error has occurred and the wrong information is being reflected to the extent of either every payment for the last year has been returned or none of the payments I've made in the past year are being reflected. Every payment I've made has been going toward the interest which accrues daily and any payments toward the loan would apply to interest first not the balance of the vehicle meaning if any payments made were to be returned they would count against the interest not the principal of the loan. I can see the returned payments in the summary of the account but there is no information regarding where these thousands of dollars have been applied to any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
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:
While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and Experian is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} Experian * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. Experian is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} Experian is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX  XXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/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 2022-07-13
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:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is on my credit report illegally, I have sent three debt validation letters that are in compliance with section 609, 617 & 619 of the FCRA, All three of my disputes was dated and sent via certified mail with notarization, LVNV kept reporting my debt as valid but would not send validation, After my third letter on XXXX XX/XX/2019 LVNV attempted to sue me for this debt, but withdrew from the lawsuit because I had paperwork proving I requested validation and never received it, this company is practicing illegal collecting which violates our consumer, FCDPA, & FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with PNC bank # XXXX was closed in XX/XX/XXXX. I have tried to reach the bank on several occasions over the past years without any concrete reason. 
XXXX XXXX- i was told by a customer care rep named XXXX on the phone that it was put in a security hold and i should contact the number which she gave me and i did with no one answering the phone. 
On several occasion 's i have been to the branch XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and i have been told different stories. 
XX/XX/XXXX, XXXX i got an email to say my account has been reactivated with the balance shown and i should fund the account to avoid closure. Within the hour another email to say the account is closed and by balance would be sent to me in a Cheque. 
XX/XX/XXXX, XXXX i went into the branch to inquire why i have not gotten my money and a proper explanation as to why my account was frozen and XXXX communication over the years and the staff XXXX XXXX XXXX to make a report as she was told over the phone by the banking service and for whatever reason her computer stopped working and had to get the branch XXXX XXXX XXXX who told me to expect my check in the mail and oddly offered to shred the account documents i had with me. I refused and told her i will do so when i get my account balance. 

XXXX is XX/XX/XXXX not a phone call, not a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: WA
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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Trouble with how payments are being handled

Complaint:
I called Aidvantage about a CARES Act refund of payments on XX/XX/XXXX in the mount of {$27000.00} for payments made after XX/XX/XXXX. I have called back weekly for updates and get a different answer from customer service every time. First call, they said my refund request was approved on XX/XX/XXXX and would be processed in XXXX weeks. A few calls later ( XX/XX/XXXX ), I called and the representative said they just submitted the request for a refund and now to wait XXXX weeks from that date. I tried to email their customer service with more details and they claimed refunds are now taking XXXX weeks. I have seen no evidence that my refund request was actually submitted, as my student loan balances on both Aidvantage and through studentaid.gov have remained unchanged since first calling on XX/XX/XXXX. I'm at a loss for what to do, as I get different information seemingly every time I try to settle this with Aidvantage, and no one can even give me a straight answer as to when my refund request was submitted or how long it will take to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called XXXX XXXX to try to get my loan payments lowered. I spoke to a representative XX/XX/2019 and she stated that I needed to recertify and choose a better IDR plan for a lower payment plan of {$68.00} a month. I did exactly what the representative told me to do. However, when I called XXXX XXXX on XX/XX/2019 at XXXX a representative stated that I could not change my IDR plan because I needed to make 3 consecutive payments before I could change the plan. I tried to explain the representative that the other representative I spoke with on XX/XX/2019 never stated anything about that and how I did everything she told me to do but the representative I spoke with was not trying to help me and got an attitude with me ; she stated that I had three months to pay XXXX which would be XXXXeach month and she also stated that I would not have to Pay anything until XX/XX/2019.The representative was no help with assisting me ( consumer ) ; she did not try to find a solution for me and all I wanted to do was get lower payments. 
XXXX ( XX/XX/2019 ), I tried to call XXXX Representative to see if someone could assist me and figure out a way to get me lower payments and the representative ( s ) were no help. The representatives kept transferring me. The first representative did not mention anything about not being able to change my IDR plan and the 3 consecutive payment but when she transferred me to another representative the representative was not helpful as well. She stated that I had to make a payment of XXXX on XX/XX/2019 and my new payments would be XXXX on XX/XX/2019. It seems to me that all the representatives need more training because they are supposed to be there to assist and answer questions. They were definitely not able to answer certain questions and did not even take the time to try to find a solution to help the consumer ( me ), especially when Im willing to make payments. The last representative I spoke with definitely did not help me, it was as if he went off of the previous representative words because as soon as spoke with him, he stated that the representative explained what was going on and basically went off her word instead of his own judgment/ solution. I asked the last representative about doing an appeal or a complaint and he stated that XXXX XXXX do not have appeal forms and he stated that he did not know what CFPB ( XXXX XXXX XXXX XXXX ) and never heard of it ; XXXX XXXX  Representatives need more training on a lot of information so that they are able to assist consumers instead of giving them consumers false information and the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America keeps reporting a card on my credit report it was a fraud card i didn't open this account a guy stole my identity

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 2021-06-08
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, contacted Mr. Cooper to speak with an agent regarding how they can help me and my husband with our loan. I think we were about 1 month behind on our loan at that time. She explained to me all the options available, but told me that they would put us on the forbearance program from XX/XX/XXXX to XX/XX/XXXX, and that I was to check in and let them know if anything changes in our present status. On XX/XX/XXXX, we were approved for forbearance. On XX/XX/XXXX, I checked in to let them know our status had not changed and could not afford the high payments and interest because we had moved out of town in XXXX of XXXX. We paid our payments up until around XXXX of XXXX. Because of renter, repair, and maintenance, loss of income, it put a strain on our mortgage in our new town. I told her that we are considering initiating a Deed In Lieu of Foreclosure. I was told that she would send me a Statement of XXXX, to fill it out and fax back to them and to make another login for the Deed In Lieu account. On XXXX, we filled the form out and attached a copy of our drivers licenses, and faxed all to Mr. Cooper. We never heard from them about the appraisal the agent told me they would have to make on the property to see if it qualified. We started receiving mail from a XXXX XXXX. We hadn't heard from Mr. Cooper, so I didn't open the mail at that time. I just kept it in the file. Our mortgage insurance company for the property called on XX/XX/XXXX at around XXXX am to inform us that someone was trying to calling to change the name on our property insurance and they wanted to see if we had allowed it. We didn't know what was going on so the agent said she wouldn't do anything until she hears from us. When I got to read the mail that was sent in from XXXX  The agent said that I wasn't authorized to talk to them. I'd have to send another authorization for them to talk to me. I tried to email them but I didnt have the correct one. Tried to call them back but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: AL
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 with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : XXXX XXXX XXXX- Account # XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: VA
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 have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus investigation.

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