BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Upgrade, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been scammed, a supposed employer told me I would be receiving 2 transfers into my personal checking account. When I noticed Upgrade took out an automatic payment out of my checking account, I immediately called Upgrade and filed a case with them. 
There were 2 loans one for a total of {$38000.00}. 
XX/XX/22 - {$28000.00} XX/XX/22 - {$10000.00} I then realized once speaking with Upgrade that they were the same exact amounts I received from an online job that has contacted me for part time work from home earlier in that month. I was looking online for a part time job from home, evenings and weekends and was contacted by a person saying they worked for a Architectural engineering company based out of the XXXX with offices in XXXX, IL and XXXX, TX. After doing some research, I learned the company was legitimate. After running my credit, and sending my information they deposited the above 2 amounts into my account and directed me to send cashier checks, wire transfers. Later I was instructed to buy bitcoin. That was when I became suspicious, but it wasn't until a week later I saw the loan payment come out of my Checking account. 

As it turns out that I see, I was scammed and they used my information to open up these 2 loans in my name and send the money to other people. 
I can't pay these loans back, nor do I have the money from the loans. 

The only information I have on is the person 's name that contacted me was XXXX XXXX and also XXXX XXXX XXXX. 
XXXX - XXXX -- XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Paradigm Assets, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear CFPB Team, In XXXX of XXXX, I noticed that JHPDE Finance I , LLC reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX  this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called JHPDE numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, JHPDE denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to JHPDE 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Armed Forces Loans of Nevada Inc.
State: NC
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:
Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Navient Solutions, LLC.
State: MN
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:
I attended the XXXX  XXXX XXXX XXXX in XXXX, MN before it and XXXX XXXX got into legal trouble with the State of Minnesota and stopped operating here. I attended XXXX for XXXX quarters after being told their XXXX XXXX XXXX was the same as a XXXX XXXX XXXX and was soon to be accredited. 

They were never accredited and my degree is not only impossible to complete, but not the product I was sold. Because of this, I stopped registering for classes at the school and requested information for the lender they had me borrow money for tuition from as they did not have agreements with any banks for student loans. They refused to provide information for paying the lender directly. So I told them I would wait for a bill when the first payment was missed and pay my lender directly, they would only let me pay in person or through their school portal. 

Long story short, I never received a bill from my lender. I do not believe there was ever a third party acting as the private loan lender, but it was a line of credit from the school. That is against the law as far as I know. My issue is that I was allowed, by the State of Minnesota, to take out federal education loans for this now defunct institution. I have repeatedly requested to be released from these loans and have been denied by XXXX and my servicer without reasoning for why they are assisting MSB in committing financial crimes against me. 

My servicer is Navient. It was previously XXXX XXXX, and before that, it was XXXX XXXX. The federal government should not be assisting a private company in committing financial crimes by demanding repayment for the costs of their criminal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
someone opened 2 credit cards in my name using my information i called the company am i called the credit bureau i also sent in the police report stating this was fraud i also target to close and remove this account and I asked XXXX XXXX to remove an close this account as they are not the account that i have applied for XXXX XXXX told me the will close an remove the account an Target told me the same thing XXXX XXXX an XXXX are still showing these accounts on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Netspend Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have held an account with Brink 's Money prepaid mastercard or better known as Netspend for several years. I recently added a secondary cardholder to my account. The secondary cardholder who was not related to me or a spouse deceased and as a result Brink 's Money ( Netspend ) closed my account and removed my ability to access the funds within the account. I have contacted Brinks money several times trying to regain my access to the account. I have submitted documentation requested by Brinks money in an effort to regain access to the funds in my account however the company has continued to refuse to provide me with the balance of {$21000.00}. The last time i contacted Brinks money was on XX/XX/2021 and the representative stated that because the primary account holder was deceased that it would be impossible to receive the balance. I explained that I am the primary account holder and that I have not deceased. I was advised to contact the Social Security Administration to rectify the situation. On XX/XX/2021 the SSA confirmed all their records and verified that no such notice was sent to any financial institution. Netspend is attempting to steal XXXX of dollars that I am entitled to and that belong to me. I have tried working with the company however they fail to provide me with my money. As a direct result of this financial institution I am suffering hardship. I followed up and called Brink 's Money on XX/XX/2021 and they clarified that since the secondary cardholder had deceased that my account was permanently closed. They also stated that the remaining balance would not be remitted to me although I am the primary accountholder. This is unfair, unethical, and theft.

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 2023-03-29
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 status incorrect

Complaint:
It is the XXXX XXXX agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting 2 inaccurate late payments for the XXXX XXXX XXXX DC with account number XXXX. This includes late payment 30 days from XXXX XXXX, 60 days late payment from XX/XX/2017, these are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these - late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2022-04-16
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been paying on my student loan since XXXX. The original load was {$8300.00} on XX/XX/XXXX. 

For several years, I have had my payments auto-debited. {$140.00} is deducted from my checking account monthly. In XXXX of XXXX, my auto-debit continued, but the amount applied to interest changed dramatically. I was current on my loans- in fact, a few months ahead of the loan schedule. There were no issues with payments. I had an APR of 5.125 %. 

In XXXX of XXXX, without warning, the amount of my {$140.00} payment applied to interest went up to {$45.00}. In the following 4 months, XXXX XXXX, 100 % of my payment was applied to interest. So, in fact, my principal actually increased during those months. 

Payments stopped from XXXX XXXX XXXX XXXX XX/XX/XXXX, auto-debit resumed with {$140.00} going entirely to interest. In XX/XX/XXXX, {$77.00} went towards interest. I contacted Nelnet 's help chat function who told me they were pre-charging interest. I asked if I would get a refund if I paid off the account, and I was told no. My balance should be HUNDREDS of dollars lower as that is how I originally set up my auto-debit. I trusted the terms of the payment would not be changed without my consent. 

I would never pre-pay interest on a loan. For over a decade, I paid {$140.00} every month as an amortized loan where the principal continued to be adjusted. I am disgusted that I made my monthly payments and my principal only increased for several months. Now I'm being charged interest on that increased principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Name of Company : XXXX Name of account : XXXX XXXX  Account # : XXXX I asked the credit bureaus to do a verification of everything on my credit report, which they stated that they verified/updated the information. I did my own research and have still found improper inaccuracies on my credit report even after they stated the information is verified/updated. 

The dispute letter I sent to the credit bureaus on XX/XX/22, which I have the XXXX receipts for. They sent me back the response on XX/XX/22. 

The inaccuracies are in Date opened and Date last active, all showing different information, even after their investigation. Even the high credit and credit limit portions are showing differing information. 

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 a right to privacy.

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

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-06-12
Company: EQUIFAX, INC.
State: IL
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:
XXXXXXXX XXXX  XXXX XXXX fraudulently conducted a " hard inquiry '' into my credit without my knowledge or consent. I informed Equifax of the fraud and they refused to delete the hard inquiry from my credit report. The two other credit agencies ( XXXX and XXXX ) did delete the inquiry from XXXX after I disputed the inquiry and explained the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NY
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 Convergent Account ; 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, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-12-18
Company: ALLY FINANCIAL INC.
State: NY
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:
I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : ALLY FINANCIAL XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.

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 2017-05-22
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called and requested a hardship withdrawal letter from Nationstar mortgage on  XXXX   XXXX . The company told me that the letter would be generated in  2-3 b usiness days and sent to me via postal mail and email. I followed up with phone calls  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX  asking if the letter had been generated and made available for me to pass along to m y 401 (  k ) account holder so that my payment can be made by  XXXX   XXXX , or I would have to ask for another hardship withdrawal letter for a different amount for the month of  XXXX  or possibly lose my house. The company responded each time to my follow up calls stating that the letter should be generated i n 24  hours and would be available the next day. I called today,  XXXX   XXXX , and the representative is telling me that the letter was n't requested until  XXXX   XXXX . Nationstar seems unmotivated to allowing me to resolve my past due payments and seems as though they would rather my mortgage go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-12
Company: EQUIFAX, INC.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170.00} ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Chase United Airlines XXXX Credit card through XXXX The chase website stated that upon approval, i would receive 75,000 united miles after spending 3000 $ within the first 3 months. Upon approval of the card, Chase stated that the promotion actually requires a spend of 5000 $ within the first 3 months. My husband and I are both having the same issue. He opened a case, and escalated it to the appropriate department, provided website addresses, and even had the agent who opened the case go onto the website address provided, and confirm that the website does in fact state the 3000 $ spend amount. The website also stated an expiration date of the promotion of a month after the application date. After 4 weeks, he was told that ours offers are still 75,000 points after 5000 $ and there is nothing they can do about it. I have screen shots which i had taken during both our applications for documentation. Chase bank also has a recording of the agent who opened my complaint confirming that the website was indeed showing the wrong information. 

He filed a case with the CFPB last week, and was told by the chase executive team member XXXX ( extension XXXX ) that I would need to file a seperate claim in order to have this investigated. I am therefore filing a claim for the same situation. Feel free to pass this claim along to XXXX in order to same time.

Company response to consumer: Closed with explanation