BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Resurgent Capital Services L.P.
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:
A collection company named LVNV Funding LLC is reporting that I have a debt of {$2900.00} and it was originally with XXXX XXXX XXXX. 
I have never dealt with XXXX for any service, at any time in the past at least 10 years, if ever. This account is absolutely not mine. I disputed it but its still on both my XXXX account and my XXXX account. It was also on my XXXX account and I disputed it there as well and they removed it. 
Please help me. 
Im in the process of repairing my credit as it is, and I need to move soon, so my credit score will be critical. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: AZ
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 am submitting this CFPB complaint today to request to the Credit Reporting Agencies to remove the inaccurate address that is still being reported on my Credit Report despite the numerous CFPB Complaints I have been submitting. I believe I am a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I am requesting that the Credit Bureaus remove the following address under the provisions of the FCRA section 605b : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2013 XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2016-02-10
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove some accounts from my credit report.

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 2022-11-09
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company PROFESSIONAL CREDIT, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROFESSIONAL CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 )
( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not 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 2016-05-17
Company: CARD Corporation
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/16, I filed a dispute and was told I would get dispute form within XXXX hours. On XXXX/XXXX/16, I called because I still had n't gotten form. Was told to wait until XXXX/XXXX/16 and the number to fax form back would be on there. It was not on there when I received on XXXX/XXXX/16. I called and was given fax number. I sent form back and received confirmation. On XXXX/XXXX/16 I called to confirm, they say they still did n't receive and to refax. I sent again and on XXXX I called back and they claim they still did n't receive even if I had gotten confirmation back. I requested supervisor to call back because this was crazy. On XXXX still no call from supervisor, so I called backed. I put up such a fuss I was transferred to CSR Supervisor who informed me that the previous reps had been giving me the wrong fax number. I faxed to number they gave me and I also faxed the XXXX previous confirmation pages as well showing that I had been faxing just in case they say I did n't fax back within 10 days. Time still had passed and they claimed I did n't fax information back in time for provisional credit. They told me I had to wait 45 days for update. Now the 45 days have came and I still do n't have my refund or even a status update. I requested a Supervisor call twice and no Supervisor has returned my call. The reps are very unprofessional and wo n't even attempt to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: CREDIT ACCEPTANCE 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:
Vehicle ( XXXX XXXX XXXX ) was repossessed XXXX XXXX Credit Acceptance Corporation ( Creditor ) continues to report to my credit reports as an open account. 

Vehicle was purchased for {$7300.00} in XXXX, AZ in XX/XX/XXXX. After interest and fees the overall cost of the vehicle was {$9600.00}. Credit Acceptance Corporation reported XX/XX/XXXX that my remaining balance is {$15000.00}. 

I have reached out numerous times via letters and phone calls and have received no answers or solutions to this problem. 

With the corruption that their prior CEO was just found guilty of and the millions of dollars in pay outs they were forced to pay, this is clearly a company that isnt trustworthy and will manipulate the public to achieve a financial goal. 

The account you are reporting is identified as a ''repossession, yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit 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 explanation
Consumer complaint received 2015-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. 

The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. 
We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. 

Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two Cashier 's Checks in my accounts. The bank ( Truist Bank ), closed the accounts, yet, continues to withdraw funds from the accounts for it's sole purpose. 

Enclosed. Letter sent to the bank Dear XXXX XXXX, As you will recall on XX/XX/2022 ; you, XXXX  ( Operations Manager ), XXXX XXXX, and I met in your office to discuss me getting my money out of Truist Bank. Until this day, no one gave me an explanation why, I cant have access to my account, and yet, the bank continues to deny me access to my accounts. 

On or about XX/XX/XXXX, before meeting with you, I met with XXXX  who informed me that my money would be released within 24 to 48 hours, all to no avail. 

Around XX/XX/2022, I received a letter from the bank telling me that Truist has made the decision to close the account referenced above. From XX/XX/XXXX, until about XX/XX/XXXX, the bank refused to talk with me about my account. Instead, each time I called, about 43 times, the bank fed me deceptive lies and confusions. 

For unknown reason ( s ) the bank continues to block me from accessing my money, yet the bank continues to access my accounts, transferred, debited my accounts, and use the funds for its sole purpose. Then, the banks behavior and activities, at best is fraudulent and unethical? 

The bank continues to make unreasonable demands of me, and the sources, I received the Cashiers Checks from. The bank Cashiers Checks were cleared. 

On XX/XX/2022, XXXX XXXX met the banks demands. He emailed the requested documents to you, however, until now, I have not heard about the release of my money. 

If I do not hear from you by XX/XX/2022, XXXX file complaints with the various banking authorities.

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 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the tair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called in on XX/XX/2022 to AES and had the representative switch the payment scheduled date to XX/XX/2022. As of XXXX on XX/XX/2022, I'm still seeing that this scheduled payment has not been in process and allows me to Cancel it through the online account. This is proof that the agency delays processing from when a payment was actually scheduled to be processed. This is concerning and not consistent with how payments are supposed to be processed when scheduled. 

Subsequently, the online account still shows that the account is 45 days delinquent despite the date of XX/XX/2022 coming to an end and the payment still being scheduled to be debited on XX/XX/2022. This agency time and time again has allowed occurrences like this to happen where it tends to favor them as a result of their appalling nature of procrastinating or deliberately delaying processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

XXXX XXXX XXXX Original creditor : CAPITAL ONE BANK USA N.A. 
{$370.00} This is not mine! I never authorized or allowed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making over payments for many months. I receive conflicting information about how these payments will be handled. At this time, a very small amount is being directed towards principal, in spite of my large over payment. I was told the system was n't recognizing the over payment because I was paying split payments every two weeks. Additionally, in XXXX my account was placed on forbearance without my knowledge or consent. When I requested the forbearance be removed, I was told it would be, but it never happened. I was told my payment would be auto-debited but it never happened. I called again and was told my payment was processing, but one week later, no payment was ever taken, and when I called, I was told it was because of my forbearance ( that should have been removed 4 weeks prior ). When I called again, I was told not to worry because it was a " courtesy forbearance '' and no capitalized interest would accumulate. Nevertheless, the life of my loan has now increased without my consent. Additionally, now I will continue to be " making up '' interest payments instead of paying principal, even though I have been consistently making overpayments. I do not trust this company. I feel my loan has been handled in an unethical manner and that I am being taken advantage of on a routine basis. Additionally, customer service representatives seem, for the most part, to be completely unknowledgeable about what is happening to my account, or they outright lie, I can not be sure which is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Currently have an account with JPMorgan Chase Bank , N.A . and someone has been able to withdraw or change account balance and I've had to call bank to try get bal. adjusted because it wasn't correct and it's always been forigen person answer phone. 
I've never added anyone to my account but the bank current is now stating throw automative system " I have limited access to my checking account '' ; which nobody else should have access and I do not have graudian or conservator ( not married ). But identified money missing out checking account. Chase also stop my online banking and said I didn't respond to email. 
But, I do not necessarily trust cellphone to conduct business from because of previous issues with calling and getting forigen person answering or someone answer call and hangup quickly, like someone using my cellphone other than myself. 
I could hear neighbor conversation across street when checking balance from cellphone and saying we rich and I can take a XXXX. Do not know neighbors, not sure I could hear that conversation via my phone or them know my checking balance ( not sure if phone has illegally be colon, but someone illegal used my checking account and observe neighbors taking XXXX ). 

Also, mail carrier has been delivering mail, depending on carrier to wrong address and I haven't received statements such as checking, utility statement and address deliberately change in websites to next door neighbors..which is fraud. See attachment and where mail has gone and to other neighbors home, my home is the XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
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 list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Bank Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX  XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

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 then Records of convictions of crimes which antedates the report by more then 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is in accurate. 
This isnt not the first time, the three credit bureaus Experian, XXXX and XXXX have violated my rights. 
XXXX never responded to my certified INVESTIGATION letter I sent over 45 days ago. 
This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.

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