BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: Upgrade, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  is a collection company is purchased a fraudulent debt from Upgrade. In XXXX of XXXX I noticed that I had XXXX accounts placed on my credit from upgrade. XXXX being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all XXXX credit bureaus. The credit bureaus removed the accounts and a few months later upgrade sold XXXX account to XXXXXXXX XXXX XXXX and the other to XXXX XXXX XXXX. Both put the accounts on my credit report. I went on to dispute them and they were removed. XXXX XXXX XXXX continues to put this account on my credit report after being notified that it was identity theft. XXXX XXXXXXXX XXXX is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having XXXX XXXX XXXX removed from my credit for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, a company that took-over my existing loan and that I did not choose, got caught taking my money, not belonging to them, but of course, stated some nonsensical excuse for the taking. It's an excuse that you would say, " Yah right. '' I made an extra payment reported by Mr. Cooper on my XX/XX/2020 statement. Even though my check that was paid between payments and clearly stated to pay on principal only, Mr. Cooper still kept the interest on this extra payment and only credited the remainder to principal. If I wouldn't have caught the company doing this, it would have made money not intended for them. 

Remember that one cockroach found, means that there are really thousands not. My voice represents many ; I am sure. Of course, I didn't get my statement dated early XX/XX/2020. It's no coincidence ; this is the first time that has ever happened. Please let me know all the ways that I can complain about this company to protect others. 

I am sure that you will do all that you can to get safe conditions for the public having to deal with this company.. Thanks for your full attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We sold a boat through a broker, XXXX XXXX out of XXXX, Michigan. 
The proceeds from the sale, {$76000.00}, were wire transferred through XXXX XXXX to our Wells Fargo Bank account on XX/XX/2020, per information received through XXXX XXXX. The deposit in our account has yet to show up as of today, XX/XX/2020. 
We have contacted Wells Fargo several times over the last 10 days and they see nothing on their end. 
We have contacted the XXXX, XXXX XXXX ( XXXX XXXX XXXX ) many more times. He has contacted XXXX XXXX, who handles his account and the wire transfers. They maintain that the wire transfer occurred on XX/XX/2020. 
On XX/XX/2020, XXXX XXXX maintains that they sent a message to Wells Fargo, via the Federal Reserve System, to find out what is going on. We have heard nothing back from anyone. 
Everyone that I have spoken to maintains that a wire transfer should only take 2-3 days. I spoke to wells Fargo this morning and nothing shows up and they can not tell me whether or not a message was sent to them from XXXX XXXX via the Fed.

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 2022-11-27
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX acct # XXXX,, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. XXXX XXXX now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and XXXX is adamant that I owe this money from some vehicle service contract with a XXXX named XXXX XXXX. I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!

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 2022-10-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I deposited a check on XX/XX/2022, I've got a notice that my funds will be available until the XXXX of that XXXX. We'll I also got a email saying that they got confidential information saying that the check might not have funds. I called and complained bout that. I told them I would be cashing check which was something I know we can no longer do since it is signed already but I told them that. Then I asked my uncle for a loan since I had that hold, he gave me an old check he had been wanting to deposit for some insurance claim of himself. Well that was a good old check but withing the expiration dates. But soon after that deposit I had my online access blocked and said that my account will be closed after investigation itll take approximately 30 to 60 days but I on my daily notification of my daily balance which I'm still getting for checks have been cleared and they are both available for withdrawal but bank won't let me I need to pay my mortgage 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 2020-05-13
Company: DISCOVER BANK
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
My card was stolen during a XXXX party on XX/XX/2019. The week on XX/XX/XXXX my employer makes us aware that we all need to check personal belongings because reports of theft were made during the party. I checked noticed 2 card were gone and immediately called the companys XXXX XXXX and Discover. Over about a week span my cards were charged multiple times adding combined to over {$4000.00}. When I contacted XXXX XXXX they cleared all charges noticing there was a spree of shopping. However Discover said its not enough evidence. I called gave them all purchase details, filed a police report giving them all information and also appealed their decision to deny the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Nelnet, Inc.
State: TX
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:
In XX/XX/XXXX, I requested a refund on the eligible refundable amount that was paid during XXXX. The amount totaled to {$12000.00}. The loan balance on the accounts has been updated to reflect this amount, but I have not received any refund. I was told I would receive a check in the mail. I have called the loan servicer, Nelnet, and was not advised on what to do and was told that the Department of Education is dealing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out multiple validation letters asking for prompt response and documentation with my signature, right to collect debt, license to collect debt in order to make an informed decision on whether this debt is mine. Convergent Outsourcing, Inc never provided any of requested info. XXXX didn't do a proper investigation. They basically verified this debt based information in their system. 
Letter sent to Convergent Outsourcing, Inc on XX/XX/2021 and XX/XX/2021. Phone conversation with XXXX representative on XX/XX/2021. XXXX verified a collection without the collection agency validing the debt.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Bank of America closed a credit card I had with the bank. The card is closed and they are still reporting as if it is open.

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 2023-11-11
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other XXXX reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021, I received two PSLF Qualifying Payment Update letters dated XX/XX/2021. These letters note that they " have reviewed your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ). '' I have not submitted a new PSLF Form since last receiving PSLF Qualifying Payment Update letters on XX/XX/2021 and XX/XX/2021. The last PSLF Form I submitted was marked as received by FedLoan Servicing on XX/XX/2021. I do not understand why I continue to receive these additional PSLF Qualifying Payment Update letters based on the content in the new letters dated XX/XX/XXXX. Was my account reviewed for additional payments? There is no corresponding explanation as to what is occurring right now ( as this is not fully addressed by the PSLF Qualifying Payment Update letters ) and I am very confused because FedLoan Servicing is only sending form letters without correspondence crafted to me to directly explain what is occurring. I do not understand why the payment count keeps changing when I have not been submitting additional PSLF Forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: MRS BPO, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving letters and telephone calls of harassment, profane, abusive and vituperative language from MRS BPO , LLC in regards to a debt thats the result of identity theft. MRS BPO , LLC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of XXXX XXXXXXXX Compliant reporting standard.

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 2023-11-07
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lockhart Morris is requesting that I owe {$2900.00} Which is false even the dates they are giving me are incorrect also this collection was closed a while back they claim to be a Lawyers office they call and harass me AND MY FAMILY several times a day stating that if the debt is not paid in full Ill be taken to court and arrested along with verbal abuse, foul language, rude statements and threats which is very unprofessional I have asked to be mailed proof and proper documentation of the debt and received nothing from them I have also asked multiple times for them to stop harassing Me and my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The va home loan guarantee for us is useless when if we dont meet stupid, outdated, and unrealistic credit score qualifications. I want to specifically mention the XXXX veterans on XXXX percent with and or with TPD status that cant qualify for anything because we make above the poverty levels, however no one takes into consideration that were also capped or limited to that barely over poverty level income due to or XXXX. So to compare my income and credit information or numbers to that of someone who has the option to make more. They may not want to but they at least have the option. We dont. I have tried with so many lenders and or agents and or brokers to get approved and I do hours of paperwork and proving I can more than afford a mortgage but as soon as my credit score is 549-620 I as a XXXX war veteran cant be helped and I never hear from anyone again.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian offers extra credit monitoring services at two different tiers. I was paying for the {$19.00} per month plan but was not able to renew. After it was set to renew I was unable to log into my credit account despite Experian offering free basic services. I have on numerous occasions demanded a refund because they charged me to get back into my account. Further I was not given the option to close out the premium subscription until I paid.

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 2022-10-10
Company: Credit Karma, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Im not sure if the specific dates. Ill have to search for the email. Credit karma pre approved me multiple times for a credit card but I was never approved. Im positive it was between the years XXXX. My credit was affected every time it said I was pre approved but I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CarMax, Inc.
State: IL
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 carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation