BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously contacted National Recovery Agency to settle the matter of an outstanding collections account. I offered to settle account and representative stated that she would call me back with approval to settle the debt. In the meantime, she recommended that I set up payment plan to avoid any further calls or potential credit bureau reporting. After several days, I contacted the same representative and she stated that she would call me with a settlement resolution. In my communication with the representative she stated that I could settle for approximately {$700.00}. Months later and after paying XXXX towards my balance, I contacted NRA who confirmed that my settle request was approved in XX/XX/2017. They alleged that they tried to reach me but to no avail. If I was still interested in settling account, i could do so by paying 50 % of the remaining balance with is approximately {$400.00}. I stated that I did not receive a call, phone message or letter responding to my initial request and they indicated that it was not their responsibility. I also requested to pull the record of my phone calls and a compliance representative by the name of XXXX XXXX ( XXXX ) tried to deflect and intimidate me by indirectly calling me a liar.

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 2023-04-17
Company: Resurgent Capital Services L.P.
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:
LVNV Funding LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX, XXXX, and XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

LVNV FUNDING LLC is sharing my nonpublic information with nonaffiliated 3rd parties XXXX, XXXX, & XXXX. LVNV FUNDING LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, they withheld my rights to be able to opt out of sharing reporting private inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened a checking account with a Chase National Bank in a branch in XXXX, Arizona. They checked my credit and found I had a good credit score, so they opened a checking account and issued me a debit card. In order to forego the monthly charges for this checking account, the Accounts Manager suggested I allow them to notify Social Security ( SS ) and have them automatically deposit my checks into Chase 's account. I was warned, there would be a delay in receiving my Social Security checks into this new account. I was also advised this is normal with the Social Security Administration and not to look for my money in this new account for about a month. 

In addition, I had XXXX XXXX automatically deposit the royalties I received from a book I wrote, copyrighted and published in XXXX of XXXX. I was having my royalties electronically sent to my checking account with XXXX however, unbeknownst to me at the time, XXXX did not authorization to receive these royalties, under the Federal Reserve guidelines for International ACH Transactions ( IAT ). Chase Bank has this authority to receive International ACH Transaction ( IAT ). I only recently became aware of XXXX 's shortcomings. So, in XXXX of this year I opened a checking account with Chase because they are located about four blocks from my residence. Four years of not receiving royalties has been very frustrating for me. 

On XX/XX/XXXX, I received a letter from Chase advising me that, " after careful consideration '', they will be closing my account on XX/XX/XXXX. Other than their " careful consideration '', there was no justification for them to take this action. 

I answered their letter explaining, that if they didn't want me to have an account with their bank, they should have not allowed it to be opened in the first place. By opening this account and at the advise of their New Accounts Manager, changing my Social Security deposits to Chase Bank eliminates the monthly service charge but would take approximately up to a month for this to take effect. This would not be a problem for my SS check would still be sent to XXXX. 

However, cancelling my account abruptly this way, without allowing enough time to notify SS of this change, I do not know when or how long, SS would be able to get my checks to me. I may have to wait months until it is restored. Chase Bank had no justification to arbitrarily and capriciously close my checking account and put my SS check beyond my reach for an unknown period of time. I am XXXX years old and I need my Social Security money to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/22 I agreed to a soft credit pull application. Contract states the account is not active in less. I agree to wet by not contacting them and stating to cancel the agreement however, I received a credit inquiry as well as it listed as a new account on my credit reports with all three bureaus, and I only ever gave my last XXXX of my social to XXXX, credit card company, and the bank that they use to process credit cards. I contacted them and told them I never agreed to taking the card and the contract states that it is a soft credit pool and is not finalized unless I do accept the offer by not canceling within 30 days or if I use the card. I contacted XXXX and they said I can close the account but theres nothing I can do about the hard inquiry or loss of credit score points even if I cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: ENCORE CAPITAL GROUP INC.
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:
I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have made several complaints with your company and I received your last correspondence yesterday from your company stating that your company was accurately reporting the information to the consumer reporting agencies. In addition, in my last complaint to your company, you stated " A review of our records indicates that the account information we are furnishing to the three major credit reporting agencies remains accurate. '' Therefore your company is in dishonor as you can see in my attachments that your company is inaccurately reporting to all 3 consumer reporting agencies. This alone should have this " alleged debt '' removed from my account as this is in violation of 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TN
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:
How was Equifax, XXXX, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Account information incorrect

Complaint:
Hi, Hope you're having a wonderful day. I have multiple inaccuracies on my credit report that needs you all 's help. I've spelled them out in the attached documents and request prompt action in resolution. 

Unfortunately, there was a problem on your side when I originally submitted my requests, therefore I'm seeking confirmation and follow up within 30 days of this complaint. Thank you so much in resolving this matter.

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 2023-08-24
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % 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 2022-07-26
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: Information belongs to someone else

Complaint:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my 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 2019-08-25
Company: ALLY FINANCIAL INC.
State: CA
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:
I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, Ally Bank, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called XXXX XXXX. My credit score from XXXX listed by the letters is XXXX but the XXXX agency lists it at XXXX and both letters state they used XXXX as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through XXXX I found out that the only way XXXX will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from Ally Bank under XXXX reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since XXXX, lived at the same address for 20 years, had my bank card since XXXX with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against XXXX XXXX and Ally Bank for partnering with them and for potentially sharing my personal information with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have more items left that need to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX & XXXX. Please see the items to be REMOVED below that resulted from an alleged identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-26
Company: Nelnet, Inc.
State: DC
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:
On the XX/XX/XXXX deadline, I requested that my first auto payment be processed and applied to XX/XX/2023 rather than XX/XX/2023. I waited on the phone for several hours to process this request because an online request form was not available. After finally speaking to a representative, I received both verbal and email confirmation stating that my terms were officially updated and my first payment would be automatically processed and applied to XXXX. XXXX passed and a payment was never processed. XX/XX/XXXX was still listed as the first payment due date on the Nelnet website and my first payment did not automatically process until XX/XX/2023. 

On XX/XX/XXXX, I checked my bank to make sure that the XX/XX/XXXX payment processed successfully and I did not see anything pending, so I checked the Nelnet website and it said that the next payment was not going to be processed until XX/XX/2023. I checked pending charges and it said nothing was pending, not even for XXXX auto-payment ( I took photos ). I checked my balance and it said that the payment was overdue. I then went to the Dept of Education website where there was a notice that my payment was overdue. I then went back to Nelnet and processed a payment for the amount that should have processed in XXXX in the amount of {$1500.00} ( I took a video of this process in case Nelnet fails to process this ) to avoid Nelnet damaging my credit, but I am not concerned that Nelnet is going to try to process the XXXX payment at some point and overdraw my bank account. I never had this problem with Great Lakes in the XXXX years that I've been required to make student loan payments. I have always processed my payments on time and find this very stressful and potentially damaging to one 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: DISCOVER BANK
State: NC
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 XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 U.S.C 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 2022-07-26
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USCB has mailed me several unwanted notices and violated my privacy several times. The last notice I received contained many violations pertaining to the FDCPA. The notice contained this is an attempt to collect a debt and stated if I did not respond the company would assume the debt was accurate. Both of these violations fall under the stipulations 15 Us C 1692 states not to do. The company has also attempted to contact me at the the most inconvenient times of the day. I called XXXX to ask them to cease communication. The representative assured me the system contain notations of me asking how I can get the account back in good standing. I never spoke to anyone at USCB nor gave them permission to XXXX  me about a debt they cant validate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: AR
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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. 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 explanation
Consumer complaint received 2023-04-17
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2023, I have been trying to get my mortgage loan recast. Every time I follow instructions and submit the request, it is not responded to in the timeframe provided by XXXX. I follow-up with customer service and am given various reasons why my loan can't be recast ( e.g., it must be a certain number of days after loan settlement -- though that number changes with each request ). I then resubmit using the timeframe provided, my request is ignored, and I start the process over again. My latest recast request was emailed, following AmerHome instructions, on XX/XX/2023. I was told AmeriHome would respond in 7 - 10 days. They did not, so I followed up with a message via the AmeriHome portal on XX/XX/XXXX. That message was not responded to. On XX/XX/XXXX, I messaged using their online chat but was told I could only ask my question to the loan modification department since that's the department that handles recast requests. The problem is that consumers are not permitted to speak to this department -- I've already tried this on numerous occasions. AmeriHome will set up an appointment with someone from that department ( they say someone will call you within a 3-hour window ) but they don't. So AmeriHome has created a fake system. Yes, you can submit a recast request. But your request will be ignored and then when you follow-up, you're told to resubmit, and then that request will be ignored, and then you're told the only way to resolve your situation is to contact the department that's doing the ignoring.

Company response to consumer: Closed with explanation