BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone on XXXX ( impersonating XXXX XXXX ) had messaged me consistently for a few weeks saying they wanted to buy me jewelry, they then sent me two checks on XX/XX/XXXX for {$3500.00} and another on the XXXX for {$4500.00}. They both went into my account successfully. After that they sent me a jeweler and i looked him up to find his account and was to purchase the jewlery there as a personal buy, when i sent some not all of the money to this account they deleted their accounts and the checks bounces, in which they took {$5000.00} of my money in my checking account. This was done through zelle, i contacted both XXXX XXXX and Zelle and they said they blocked this man from the bank he was using and from zelle. His phone number is ( XXXX ) XXXX, name XXXX XXXX. If they were able to confirm he committed fraud and took my money and blocked him, how are they not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Dear Sir/Madam, I am facing financial hardships, and paying off my balance with your lending service is becoming increasingly difficult. I have explored all possible options to pay off my debts, but unfortunately, it has become evident that I can not meet my financial obligations now. 

I am considering filing for bankruptcy as a last resort to manage my financial situation. I understand that there are better situations for both of us. Still, I hope you will understand my predicament and work with me to find a mutually agreeable solution. 

Please suspend any collection activities until I can get my finances back on track. I am committed to working towards a resolution and will keep you informed of any changes in my financial situation. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Ive contacted XXXXXXXX XXXX several times over a year and was told my account had a status code issue preventing a customer service agent to reissue a card. Ive been told many occasions my issue was escalated to a supervisor and I should receive a card within XXXX days or XXXX days. Ive received letters stating my card cant be issued for the supposed account status issue. The special department that handles this type of issue has yet to resolve lifting the status code issue on my account and issuing a new card that I can use. I keep getting told I have no other issues with my account which is not true. Ive tried to use my account in the actual retail store and had cashiers call XXXX XXXX Bank customer service line to obtain my account number using my ID that has ALL MY CORRECT INFORMATION on the account which still declines my transaction. Ive been unable to use my credit line since theyve had a system switch last year 2022. No one has further information other than I can make a formal complaint with the special department directly in writing which doesnt make sense when this is the same department that supposedly is working on my issue for 12 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts XXXX XXXX XXXX XXXX/NELNET XXXX XXXX XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXXNELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, and XXXX XXXX XXXX/NELNET XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Netspend Corporation
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XXXX of XXXX until XXXX of XXXX there was a charge on my Netspend card for {$21.00} from XXXX fitness that I did not authorize. I was unaware of this charge because I didn't have any way to review the charges, I was without access to internet or electronic devices from XX/XX/XXXX until XX/XX/XXXX. XXXX my son was killed, around XXXX when I returned to work, was when I started going through my affairs and saw the charge. I contacted both EOS fitness, who advised there was nothing they could do, and to contact my bank. I reached out to Netspend and placed the charges in dispute. My dispute was denied due to not being able to recognize the charges ahead of time.

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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase reference case number : XXXX Hello, I went to a chase branch to confirm my address and ID. 

This account has been closed more than 6 months ago. I need a resolution. 

I do not accept the recall request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I called my bank to attempt a stop payment on XXXX new Zelle transactions. Unfortunately, I was a victim of scam while trying to purchase concert tickets, which resulted in a total loss of {$600.00}. Since this was my first time being scammed, I was not as educated as I am now on the tactics imposters use to pursue their victims. Even after providing screenshots of all events that took place, XXXX determined it was on me to resolve the issue with the receiving party. The problem is the person was a stranger that I met on a social media platform and they deleted their account shortly after funds were sent. 

Although I reported the matter immediately, XXXX was very slow to respond. During a re-review, a phone representative submitted the wrong details about the transactions I was disputing ; this scam involved multiple Zelle recipients/IDs and XXXX of the XXXX transactions I was disputing was not properly submitted for review. This was frustrating for me because I spent so much time on the phone providing exact details and waited days for the banks decision just to find out the phone representative did not take the time to gather the correct information. This resulted in a delay in me receiving the document I actually needed and I still have not received the document for the correct transaction. This information is useful because it provides an in depth description of payment details and activity for each transaction. 

Ive always considered Zelle to be a safe and easy way to send money, especially since I access using my XXXX mobile app. During this payment scenario, I was not alerted with any prominent, overt language nor attention-grabbing tittles warning me that this could be a scam. I do recall the standardized scam education page that users see just before sending money, but honestly since Ive always used Zelle for legitimate purposes, I thought nothing of it. When the scammer instructed me to send money to recipient XXXX XXXX, token XXXX, I received the following message from XXXX : Were concerned about this payment. It has been declined. What was different about this recipient ID that XXXX was able to better detect the scam than the other recipients where I was able to successfully send funds to? What can be done to allow XXXX to detect all scams and not just some?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: Telsa Motors Inc
State: PA
Product: Credit reporting 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 am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : * 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 Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Westlake Services, LLC
State: FL
Product: Credit reporting 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:
Upon checking my credit report I seen some unfamiliar inquiries on my report I went into further investigation and they were unauthorized, wasnt me.

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 2024-01-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this as my formal complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  on XXXX violated myself and the tenants civil rights thus forcing a FHA/HUD filing XXXX XXXX  on XXXX and XXXX XXXX, president/CEO agreed to remove any and all charges in the settlement signing such on XX/XX/year>. To date, they did not adhere to the settlement agreement, thus signing in bad faith and causing the FHA/HUD to file with the appropriate parties to seek sanctions against them. As a result of the warnings provided to XXXX on XXXX and XXXX XXXX, ProCollect provided a letter stating the balance owed to them was now {$0.00}, but have not removed their collection attempt from my or the tenants credit reports as required, thus causing additional and further damages.

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 2024-01-15
Company: Possible Financial Inc
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
There payment system always had issues when trying to make debit card payments. I eventually was hit with XXXX XXXX  payments and they reported it but when I tried paying with a debit to instantly take care of payment there was always issues processing and you could never speak with a  XXXX  person, you have to send a XXXX  and wait.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2024 Navy Federal Credit Union received personally guaranteed security interest from me for the purpose of receiving an auto loan, they've refused to honor the instrument provided to them in good faith and ceased all communications with me regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My information was stolen and used. Fraudulent to conduct fraudulent transactions using my mobile device and debit cards

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 2024-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I requested a forbearance under COVID/ CARES ACT/ CFPB and/or XXXX guidelines from XX/XX/XXXX - XX/XX/XXXX. CFPBXXXX and CARES ACT guidelines state that borrower payments should not be considered late during the forbearance period which Wells Fargo has chosen to disregard. Wells Fargo has also received further clarification from XXXX XXXX confirming possiblecommunicateion to remove the loan from escrow upon cancellation of PMI. PMI was cancelled as of XX/XX/XXXX and Wells Fargo is still telling me that my account is not eligible to be removed from escrow because of their internal policy which their employees have used to supersede investor guidelines and further directive outlined in the cares act per XXXX XXXX with the accounts executive team. XXXX XXXX also informed me that an exception request would not be sent to XXXX XXXX because they have an internal team that reviews case data submitted by the executive team. I would like to know why Wells Fargo has chosen to disregard the investor guidance and opted not to communicate with XXXX XXXX  to resolve the issue.

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 2024-01-19
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent item on my credit I never gave anyone permission to open utilities in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Rosebud Economic Development Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Denied credit through My Quick Wallet app and was denied!

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 2024-01-22
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
HAYT HAYT & LANDAU FILED FOR WAGES GARNISHMENT THROUGH MY EMPLOYER onXXXX. DID NOT MAIL ME ANY NOTIFICATION. NOT RESPONDING TO MY CALLS. I had an agreement to make 4 payments to settle debt, last year paid 3 times online, last payment I wasnt able to make online as they blocked my account so last check was mailed. They using unethical methods to target customers..

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 2024-01-19
Company: Ability Recovery Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Ability Recovery Services, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, XXXX, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by Ability Recovery Service with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. 
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from Ability Recovery Service, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, 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 explanation
Consumer complaint received 2024-01-18
Company: Radius Global Solutions LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am refilling this complaint. I have reached out to the following account below about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2024-01-18
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We deposited some checks in Truist Bank account in XX/XX/2022. One of the check got returned and the bank closed the account. Interestingly bank did not returned us the deposit amount of other checks amounting to XXXX. They are still holding the amount when we are asking them to provide a written reason for holding the funds they are saying we will not provide any reason. We asked them to provide us the writing request how we can able to get the funds they are not providing the same as well.

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