BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I've XXXX a victim of identity theft per mail theft and have filled identity theft with the IRS and have my from XXXX XXXX XXXX XXXX XXXX my afvadavate of identity theft from from the IRS and have had my pay pal Master card pre paid account whipped out I've XXXX a victim of unauthorized transactions and have since disputed the charges with pay pal Master card directly with no avail they simply just denied my claim with no error found and are completely useless when I call in for help from the customer service number from deninying me accesses to not willing to help what's so ever in reoping my cases please help XXXX XXXX Account number XXXX Claim number XXXX Claim date XX/XX/2023 Claim amounts {$2500.00} Trans dates XXXX XX/XX/2023 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 2022-07-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sent a Principal payment in the amount of {$2900.00} which Carrington Mortgage received and cashed on XX/XX/XXXX. On that same date, they applied {$850.00} of that amount towards the Principal ( Curtailment ) ; however, the remaining {$2000.00} has remained unaccounted for. While this is the amount of my monthly mortgage, my monthly mortgage payment of {$2000.00} was auto-drafted from my checking account on XX/XX/XXXX. Once I realized that the payment was never properly applied, I contacted the mortgage company by phone on XX/XX/XXXX. The representative that answered stated that the funds were sitting in my account and were unapplied. She stated she would make a note in the file and forward the issue to another department to get the funds applied. She could not provide me a time frame in which the issue would be corrected. 

I continually watched the payment history on my account to see if the issue had been corrected. On XX/XX/XXXX, I noticed that the {$2900.00} had been listed as a " Principal '' payment as XX/XX/XXXX, but was also listed under the " Suspense '' column as ( {$2900.00} ), which indicates that it was removed. 

I contacted Carrington Mortgage once again by phone on XX/XX/XXXX. The first person that answered the phone stated that it was applied on XX/XX/XXXX. I told him that was erroneous, as it should have been applied on XX/XX/XXXX and that the company has continued to charge me interest on money that I have already paid. He placed me on a brief hold and when he returned, he stated that it would not be corrected because it was my error. He went on to state that I mailed my payment to the regular mortgage payment address, when I should have sent it to the " principal payment address ''. I explained to him that I sent it using the payment stub attached to my monthly billing statement. There is a line indicating " principal '' on the payment stub and that is what I use. Under the " monthly payment '' box I put " Auto Draft ''. I have been submitting additional principal payments in this manner to the address on the payment stub since XX/XX/XXXX with no issue. He stated that he was told by an individual in a higher position that they could not do anything further. I asked to speak directly to that individual. 

When I was transferred to this individual, I believe her name was XXXX, she stated that it was not because of where I sent it, but that they were unable to back date it in their system. I told her that was unacceptable. It was their error. They cashed the check on that date and I should be credited with the principal payment as of that date NOT two months later. She stated that she was going to reach out to a different department and would contact me back within 72 hours to follow up. It has been 12 days since that conversation and I have not heard back from anyone at Carrington Mortgage nor has my principal payment from XX/XX/XXXX been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet is my student loan company. I have been trying to pay my loan off in full multiple times, but it never goes through. They never take the money out of my account. And they are so far impossible to get on the phone with an actual person, even though I am calling during business hours. I go through the whole auto system just to hear a recording that their offices are closed for the day when they should very much be open. If they don't start taking my money, interest is going to start accruing, which is completely unethical, as I am trying to make a one time payment to cover the entirety of my debt. Additionally, their website is poorly built and has more than one bug in it. 

If they fail to take my payment I will take legal action before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity had a system nationwide outage that affected all its customers. I have been unable to reach anyone by phone and I wasn't able to log into any of my 3 accounts until today, XX/XX/XXXX. Completely unacceptable! All 3 of my accounts have miscellaneous fees, including XXXX XXXX  which I had previously removed. All 3 card accounts are closed due to previous issues with them. I have already been considering joining a class action lawsuit due to their negligence. 

My XXXX XXXX card, account # XXXX has the following fees that need to be removed : {$15.00} for XXXX XXXX {$360.00} in interest charges since I was unable to log in and make any payments of any kind, that should be waved. 
{$41.00} late fee should be removed since I was unable to access account. 

My Torrid Account, account # : XXXX : since I couldnt access my account until XX/XX/25, which is AFTER my due date, I should not have any late fees going forward for this month. XXXX XXXX has been removed and I want to be assured it wont pop up like it did on my other 2 accounts. 

Victorias Secret Account : XXXX was charged {$2.00} for XXXX XXXX, which I had previously removed. I need it removed and the {$2.00} refunded and I want to be assured it wont pop up like it did previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: JPMORGAN CHASE & CO.
State: TX
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:
This complaint is to report the inaccurate credit reporting by JPMCB. The JPMCB XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account with late payments? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? XXXX is reporting that I was 35 times, XXXX is reporting that I was late 6 times..how is this possible? XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I was also not mailed a XXXX for the write off of this account. There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, I addressed and signed a check for {$2000.00} to XXXX XXXX XXXX. I placed the check in an envelope and XXXX XXXX XXXX for mailing on XX/XX/22. The check was not received by the landscaping company but was cashed at a USAA branch on XX/XX/22 by someone other than the payee and without any payee signature or bank endorsement. I contacted my bank, XXXX, on XX/XX/22 and opened a claimed, completing a Declaration of Unauthorized Endorsement or Altered Item ; the intended payee signed the form on XX/XX/22. XXXX has contacted USAA several times but received no response. I also tried contacting USAA and spent several hours on the phone with different people there but they all said they couldn't help me. It has now been almost 1 year, and I have not received my stolen money back -- USAA has taken no responsibility despite cashing a check to someone who was not the payee and without a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies states the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I noticed your recent settlement with Bank of America concerning delivery of unemployment insurance through prepaid debit cards. I was eligible for unemployment insurance in New Jersey and was unable to access the funds using the Bank of America card and Bank of America was not helpful in resolving the issues. 

How do I go about ensuring my name is added for review as one of the people eligible to receive prior unemployment insurance I should have otherwise received? I've tried contacting Bank of America and their XXXX numbers do not know what I am talking about. 

Thank you in advance for your assistance.

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 2021-04-09
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

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

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

15 USC 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 than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 inaccurate. 

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.

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 2019-08-24
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My initial and only purchase on my new Victoria 's Secret Credit Card was made in XXXX of 2016. The total was {$120.00}. I moved following signing up for the credit card, and did not receive a card in the mail prior to traveling across country. I attempted to call Victoria 's Secret ( Comenity Bank ) at that time to make a payment,  however, without the credit card number, you are unable to do so. I was charged a late fee & finance charge prior to being contacted in XXXX of 2016 via telephone by Comenity Bank. The associate with whom I spoke indicated that she would waive the late fees and finance charges ( {$32.00} ) if I made a payment at that time ( {$37.00} ), which I did. She assured me that the late fees and finance charges were waived. However, according to records, she only waived one finance charge of {$3.00}. I called Comenity Bank back the same day to try to pay off the remaining balance, however, they indicated they can only process one payment per day. I paid off the remaining balance in on XX/XX/16 ( {$84.00} ). 

The total amount I owed VS ( Comenity Bank ) was {$120.00}. I paid off this total in XXXX of 2016. The accumulated charges on my VS Credit Card are made up of late fees and finance charges. The 2 initial late fees & finance charges were supposed to be waived according to a comenity bank representative. She did not follow through w/this. When I reached out to Comenity Bank to resolve this matter, I was confronted with a representative who was not willing to listen or come to a resolution. If someone could take the time to look through my account, they will see that the accumulated charges are not merchandise purchases, but late fees and finance charges that should not have been on the account in the first place. Due to fraudulent and predatory practices, Comenity Bank sold the " debt '' to XXXX XXXX XXXX in a total of {$330.00}. This has negatively impacted my credit, and seems absurd as the complete amount of the merchandise was paid for and is made up entirely of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Freedom Mortgage imposed fees during the mortgage moratorium and during an automatic stay, simultaneously. The fees total in the amount of {$720.00}. The fees were all incurred during the year XXXX, starting on XX/XX/2020. The automatic stay was implemented in early XXXX of that year. 
Additionally, my lawyer and I have requested a detailed listing of charges that account for the sum of the promissory note that resulted from the moratorium to ensure the amount included no interest or late charges or other invalid charges. The sum of the promissory note was {$23000.00}. My requests ( along with my lawyer 's requests ) to remove fees and detail the note have been ignored. 
Bankruptcy was filed in XXXX GA Bankruptcy court, 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-12-21
Company: PREFERRED CREDIT INC
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
When I send this company on my credit I filed my first dispute on this company that when I received my first letter from this company. This was XX/XX/2016 I was in identity theft in 2016. I don't know I was in identity theft until I filed my taxes. I call this company talk with an representative when talking with with that person I thought it was a credit card company. I was told it was a company that sells pots. I'M NOT COMING TO PAY OVER XXXX DOLLARS ON SOME POT. I was told to send then an letter from my local XXXX Department. I send them a copy of the letter. This still on my credit I keep trying to filed a dispute on this company now I can not filed a dispute on this company to get off my credit. If this was my bill I will had paid it. I'm not going to pay something I don't know about.

Company response to consumer: Closed with explanation