BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : Resurgent Capital Services AND LVNV Funding LLC AND XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My XXXX XXXX  account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.

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 2023-09-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER ( XXXX [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION DELETE FROM PRFILE PLEASE 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 2022-01-19
Company: Nelnet, Inc.
State: FL
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:
XXXX XXXX the consumer, Continue to Be damaged by the injurious nature of Nelnet / US DEPARTMENT OF EDUCATION. This is in response to Nelnets documentation and response thereof. Nelnet inc has Documented evidence of my account in a forbearance status with no interest incurring. Nelnet has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of NELNET INC AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to XXXX,. This is not authorized.. this is a data breach. It has been stated by Nelnet That they must Furnish my account data proving they had no real reason only that must, Nelnet claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. NELNET INC also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 OID or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form 13909. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As NELNET is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. XXXX XXXX the consumer know I am the lender and with the credit, Nelnet has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am confused and Nelnet has misleading information. I went from Great Lakes to Nelnet and I am still lost. When I log into my Federal Student Aid account it shows that I have a payment of {$0.00} due on XX/XX/, but when I log into Nelnet it shows that I have to make a payment of {$420.00} due on XX/XX/. 

I am enrolled to get my XXXX, but I am not going to be able to afford it as I live paycheck to paycheck and now I have an extra payment of {$420.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The Credit Bureaus are reporting inaccurate information on DISCOVERBANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Comerica
State: ID
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
it all started back on XXXX by a company named XXXX XXXX, XXXX, GA. They took out $ XXXXoff my card. and sence then nine different companys have been taking money out of my account, and when you call each one of them all the calls go to the same place even thou they have different numbers. and when i asked them what i bought from them they all say that its a sweepstakes that i intered, which i never authorized them to take any money out. they told me that i called them every time before they took money out, and when i ask to hear those calls they told me that they couldnt do that even thou they took out money 23 times. i reported it to my bank and they did a investigation and they said that i authorized them which i didnt all you have to do is check my phone records and you will see that i never called any of those numbers untill i reported it to my bank so i dont think my bank did a very good job investigation this, for one reason is that it took them after i called them three times to get their report, a month and a half to get the report to me and all it had in it was my monthy statements and the info that i sent them nothing on what they did to come up with their determination on my case. if you need more info let me know and i will be more then glad to send it to you. thank you very much XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid 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:
A XX/XX/2020 charge of {$170.00} was an online purchase. I received the wrong items from the company and returned them within their return policy. The return and dispute was started in early XX/XX/2020. I sent in documentation showing the XXXX shipping details, the delivery and signing of the package and the compliance with the return. Since then, every week I've called customer service and the dispute department at Capital One. After 2 hours on hold each time for them to review the case, I am told that everything is in order and that a credit will be applied in 2-5 business days. It never comes and then the next week I repeat the entire thing. It's been 2 months and they haven't returned my money. If it was the reverse situation I would have been charged interest and late fees. So I am requesting the same thing. Upon asking for management or a compliance department, I was told that neither exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I receive a deposit from XXXX by mistake from XXXX XXXX dollars ... On XX/XX/2023 So the person contac me and explain me then she was a mistake and ask for that money I checked the transaction and ok the money was on my account so i give her my address and I pay to her the XXXX hundreds dollar.but on XXXX/my bank take from my account XXXX XXXX dollars they set they send that money to XXXX XXXX from XXXX XXXX XXXX I contac to XXXX XXXX and we're going together to ask for the money to XXXX XXXXXXXX XXXX  but XXXX XXXX sey they don't have that money so we wan to know were it's the money thanks for your help bos telephone numbers my and her are ready to share any time

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 2022-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
My student loan account with XXXX was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. XXXX continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported XXXX past due, XXXX times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. XXXX granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted XXXX  and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and XXXX continues to insist that the information being reported is accurate.

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 2023-09-02
Company: Credit Karma, LLC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I been using Credit Karma for the past 2 years to try and help me save money. As of XX/XX/2023, I had a total account balance of XXXX in my savings and spend accounts. However On XX/XX/2023 somebody hacked into my account and transferred all my money from my savings account to the spend account. 5 Fraudulent charges in total were made on the same day, 2 from XXXX for XXXX $ each, XXXX from XXXX XXXX XXXX XXXX $ and XXXX XXXX and 1 from XXXX for XXXX XXXX All from New Hampshire, and I live in Massachusetts and I have submitted a dispute for All these charges. Its been 2 days since, and I have received no information about what happen. Credit Karma has absolutely zero customer service for hacked accounts with disputed charges they refuse to answer any questions regarding the incident. Customer service Rep who I spoke with over the phone said I should receive an email that very day, Which I have still not received. When I try an contact XXXX I get a email immediately saying that my email can not be sent. I have no way to contact credit karma to lock or delete my account. My phone number on the account was changed. I have never withdrawn this big of an amount of money EVER. 
Tomorrow XX/XX/XXXX, I will be filing a police report. I spent 2 whole years saving this money and I trusted Credit Karma, and all of it has been stolen out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Bread Financial Holdings, Inc.
State: IA
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:
In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: CITIBANK, N.A.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I XXXX XXXX have 4 hard inquiries on my credit report, and i didn't give anyone permission to use my name under any circumstances. It's affecting my credit score and i would like to have it 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 explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My student loan account with XXXX was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. XXXX continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported 150days past due, 18 times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. XXXX granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted XXXX  and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and XXXX continues to insist that the information being reported is accurate.

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 2023-04-07
Company: REGIONS FINANCIAL CORPORATION
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 information incorrect

Complaint:
Regions Bank was included in Bankruptcy and reporting open and past due.

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 2023-03-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In 2020 I struggled to make payments due to covid and I reached out to GM asking them for a deferment and they still reported my account late even though it's been paid off. I would ask if you could please honor my request since the late history is incorrectly reporting on my credit and really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received and offer to spend {$1000.00} and get XXXX power points, that's is {$100.00} reward. Called and was given different reasons why has not been posted one reason was, American Express needed to credit the account. Called last time and was told I got XXXX miles but needed to be used within the year and lost it. I have made a purchase of a XXXX computer for {$1200.00}, that would entitle me to get the {$100.00}. Other cards I also have offered comparable reward including, America Express XXXX XXXX and XXXX XXXX XXXX  XXXX. I wrote a letter on XX/XX/ and was ignored. Wrote my last letter to Bloomingdales on XX/XX/XXXX  and the same thing ; silence and ignored again. My last letter I wrote in answer to " another offer '' of {$75.00} for spending {$2000.00}. This is a marketing gimmick and prompted me to write back and ask again for what it was promised to me and not delivered.

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