BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
RE Capital One 's Account XXXX : The complainant is a subscriber to monthly credit report monitoring. Recently, XXXX entries from Capital One appeared out of the blue on my credit report. 
These entries have been extremely damaging and have had a negative impact on my credit score and to my ability to obtain financing. 
Several written inquiries to the respondent have been issued including by counsel, and they have refused and continue to refuse to withdraw the derogatory information. 
I wholeheartedly dispute their entries ; I was a victim of identity theft, the respondent has not verified the account, and furthermore the entry on my credit report by them is beyond the legal each the statue of limitations : ' '' Account Last active in 2009 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I XXXX XXXXXXXX  am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-03-23
Company: Experian Information Solutions Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number # XXXX No contract or no signature

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 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
It 's been going on 3years and no real outcome, i filed a dispute with Experian and XXXX which is their credit reporting agency about an account with my old apartment which we went to court for non payment because of repairs not done to unit, the judge enter a no money judge and said the apartment people would have to sue me to collect the amount they say i owe. The apartment failed to do so and sent my account to collections who is trying to collect on an account that is not collectable. Experian has also made me field over 3 disputes in claims that the previous representative did it incorrectly and one time the dispute took longer than 30days in which experian lie and said they emailed me tge outcome which they never did. And XXXX and XXXX with experian lie and told me that where specialist in legal documents and sided with XXXX, causing more damage to my name and credit and holding me back from getting my first home.

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 2017-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
PLEASE FIND ATTACHED THE DOCUMENTS AND THE DISPUTE LETTER INORDER TO FOLLOWUP ON THE A DELINQUENCY / NEGATIVE ITEM ON MY CREDIT FILE, ON MY XXXX ACCOUNT NUMBER XXXX, I WAS NEVER LATE AND THE ERROR HAPPENED ITS EITHER A BANKING ERROR OR CREDITORS FAULT. I HAVE DISPUTED XXXX ND XXXX, THEY BOTH HAVE REMOVED THIS ACCOUNT. 
BUT EXPERIAN IS NOT RESPONDING TO MY DISPUTES AND LETTERS, PLEASE HELP ME BY RESOLVING THIS ACCOUNT .POLICE REPORT ALSO ATTACHED. 
THANK YOU

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 2022-10-02
Company: Experian Information Solutions Inc.
State: WI
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 entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.

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 2017-02-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
ONEMAIN # XXXX XXXX , IN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$8600.00} Date Updated : XX/XX/XXXX Payment Received : {$230.00} Last Payment Made : XX/XX/XXXX High Balance : {$9600.00} Credit Limit : {$10000.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$190.00} per month, paid Monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian and XXXX Consumer Agency has placed a fraud alert on my credit report without my consent. The XXXX consumer agencies acting in this manner because XXXX has purposely submitted a correspondence to the agencies indicating that I recently requested a fraud alert to be place on my credit profile. I have not submitted a letter in writing to XXXX, Experian, or XXXX requesting for a fraud alert to be placed on my credit profile. I recently filed a complaint as well as last year with the CFPB asking for XXXX to release a requested copy of my credit report. I recently submitted All XXXX agencies legal documents from my Chapter XXXX Bankruptcy to dispute inaccurate information regarding former Creditors and the account status which was and still is incorrect. I do n't know why XXXX has provided false information about a fraud alert that I have not recently placed. I always submit in writing and I always make a copy. XXXX is doing this intentionally. I have never really experienced any issues with the other agencies.

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 2016-09-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.

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 2017-03-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A debt validation letter was sent to Syndicated Office Systems 30 days ago and no response was ever received. Despite failing to respond within the 30 day time frame, the company is still reporting negative information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: MORGAN STANLEY & CO. LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Both the trustee of my mortgage and the investor/holder of my mortgage have committed numerous mortgage related violations, some criminal and have both reached settlements with the Department of Justice for such. Even though both have consent agreements mandating homeowner relief with modifications, both have refused to allow a modification. 
XXXX is the trustee of my mortgage note for the Master servicer Morgan Stanley via XXXX XXXX. 
Both XXXX and Morgan Stanley have entered into agreements with the Department of Justice and various other federal and state regulatory bodies to settle and plea guilty to their criminal actions for various mortgage related crimes. 

In XX/XX/XXXX the Department of Justice announced that XXXX entered a guilty plea for XXXX 's criminal actions in manipulating the Libor rate. 
The Libor rate was used to establish the interest rate on my mortgage. This in and of itself should make my loan, " the fruit of illegal activity '' null and void. 

In XX/XX/XXXX the Department of Justice announced that Morgan Stanly was settling claims against them in the amount of XXXX dollars for mortgage related/issues and fraud. 

On XX/XX/XXXX The Department of justice announced that XXXX was entering into a civil agreement of XXXX dollars, of which XXXX is for relief to aid consumers harmed by its unlawful conduct ; specifically XXXX will provide loan modifications, including loan forgiveness and forbearance to distressed and underwater homeowners throughout the country. I am one of the consumers mentioned above! 

Morgan Stanley and XXXX through their sub servicer XXXX have refused to allow me to modify my mortgage even though the mortgage is predicated on XXXX 's and Morgan Stanley 's criminal and illegal behavior that both have pled guilty to paying XXXX of dollars in fines and both have been mandated and agreed to offer consumer relief through loan modification. 

On XX/XX/XXXX, just three days after XXXX entered into the agreement with the DOJ, XXXX filed for foreclosure on my mortgage even though I have been trying to modify my mortgage for many years and have been repeatedly told that " the investor does not allow modification for my loan ''. Considering their guilty plea for their criminal actions, can they even continue to manage this trust? 
I want XXXX and Morgan Stanley to abide by the respective agreements that they entered into with the DOJ and various other federal and state regulatory bodies and fulfill their obligation to offer consumer relief. 
Please modify my illegal loan.

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 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank of america account debit card was charge for the amount of XXXX dollars and latter for the amount of XXXX dollars, I call bank of America to dispute this transactions and spoke with XXXX from Bank Of America Claims departments he mention to me that the XXXX dollars were a fee over the transaction of XXXX dollars and no matter what kind of dispute i do those fees will be no be reverse until the review of any dispute i filed. 

So the issue is because of both transactions my account was overdraw and was charge a fee of XXXX dollars, Bank of America has refund the XXXX dollars fee for the overdraw and posted a credit of XXXX dollars but leave the XXXX dollars with XXXX cents on my account what makes my account remains overdraw, and the bank is not willing to remove it from the account. 

i have called several times and i am willing to provide the evidence that neither the first charge or the fee where authorized charges but the banker claim there is nothing he cant do

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 monetary relief
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

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 2017-02-19
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account from XXXX on my credit report that I disputed because it is 8 years old now. XXXX found in my favor and removed the negative account from my credit report. XXXX dispute somehow says that the debt is still valid. Somehow after 8 years, XXXX is still renewing the date on this debt and it 's still reporting the last being in XX/XX/XXXX. How can XXXX keep reissuing the date of this debt as of it is new when the original date was in XX/XX/XXXX?

Company response to consumer: Closed with explanation