BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/2022, acting as an agent and a beneficiary of my brother-in-law 's company ( XXXX XXXX ), I was to make a {$20000.00} wire transfer to a banking account of a XXXX  company as a payment for their products and services. On XX/XX/2022, I received an email from the company, saying that I should make a payment to their US account at Chase Bank ( XXXX, bank address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I wired the money and then was contacted by the XXXX  company that their email account has been hacked by an unknown individual and that they filed the case with the XXXX  police ( I have a copy of the report ). I contacted Chase Bank about the possible fraud but Chase refused to provide any information about the transfer and the XXXX account. Beneficiary on the account was the XXXX  company ( XXXX, which is an aviation company out of XXXX ) but it was not the XXXX  company who opened the account. I understand that a cyber criminal opened the account with Chase lying about his/her identity as a representative of the XXXX  company. I also contacted the FBI cyber crime division but there is no response from them whether there is any ongoing investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Collection agency has XXXXXXXX XXXX as a debt of {$5700.00}, opened on XX/XX/XXXX. The amount owed is wrong. The balance on XX/XX/XXXX was XXXX, I made a payment on XX/XX/XXXX for {$150.00} the last payment made. The balance due on XX/XX/XXXX was {$4700.00}. The statement on XX/XX/XXXX was {$5600.00} ( an additional {$970.00} in 2 months ). My credit report shows a balance of {$5700.00}. I believe the balance due is incorrect. I am requesting that Portfolio provide the correct information on this debt. My last payment was on XX/XX/XXXX but the collection account was not opened until XX/XX/XXXX, according to my credit report. The statute of limitations is 4 months of late payments, the account should have been sent to collections on XX/XX/XXXX, but this was not done until XX/XX/XXXX - 1 year and 1 month past the statute of limitations, and additional time to be on my credit report. This company has improperly and inaccurately reported a debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CT
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX {$250.00}

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 2021-03-15
Company: Rocket Mortgage, LLC
State: VA
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:
XX/XX/XXXX : used two free tools on Rocket Mortgage website Began receiving notifications of credit pull XX/XX/XXXX, became aware it was a hard inquiry on Monday XX/XX/XXXX Found unfamiliar loan associated with log in on XX/XX/XXXX Contacted support and asked them to provide any record of FCRA consent and/or copy of my application. Support was unable to view or locate an application for my account although they could see I had a loan associated. Support asked if I would like to speak to a research specialist and I declined as the multiple calls I'd received already today made me suspect the " research specialist '' would be making sales pitches. I told Support I would prefer they log my complaint as a FCRA exposure and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing has created shell companies to illegally attempt to collect debt..I have a HELOC that was serviced by them.It was discharged in  a bankruptcy but is still a lien on the property.I had been attempting to do a settlement with them when the servicing and debt was allegedly sold.On XX/XX/XXXXthe mortgage was assigned to XXXX XXXX XXXX using the SLS corporate address, there was no phone number or contact capacity for XXXX XXXX.My calls and emails received no response.When I asked to speak to someone from XXXX XXXX by calling SLS I was told that there was no one to talk to.In the interim I received a letter from XXXX XXXX   XXXX ( XXXX ). saying they acquired the mortgage and servicing  from XXXX XXXX.XXXX began illegal collection efforts culminating with a 30 day cure notice that is illegal in Massachusetts.The notice also threatened giving the information to the credit bureau and a promise to begin foreclosure after 30 days.This was sent on XX/XX/XXXX, it is now XX/XX/XXXX.Nothing has happened.This violates the FDCPA and the State of Massachusetts Collection Laws. 

I believe that SLS, XX/XX/XXXX, and XXXX are all essentially the same company.Please see the mortgage assignments attached.XX/XX/XXXX is c/o the SLS corporate address, then XX/XX/XXXX and XXXX have the same address and suite number. 
This allowed SLS to use illegal means to collect the debt.SLS is a large servicer and is licensed by the Division of Banks in Massachusetts ( as required ) as a collector and servicer.Neither XX/XX/XXXX or XXXX are licensed by the MassDOB as a debt collector.This servicing sale subterfuge allows SLS to profit from illegal collection efforts and not jeopardize their own licensing. 
I am attaching the mortgage assignments and 30 day cure notice.SLS should not be allowed to be a licensed servicer and debt collector and sell their uncollectable debt to their created entities XX/XX/XXXX and XXXX to be illegally collected.If XX/XX/XXXX and XXXX aren't really SLS how can a licensed debt collector sell 103 non performing Massachusetts loans o someone not licensed to collect them.This is unfair and deceptive.

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 2021-07-03
Company: Experian Information Solutions Inc.
State: VA
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 a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX {$49.00}

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 2023-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX Account TN DEPT OF HUMAN SVCS XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2021-07-02
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This company claims to do and investigation into unauthorized charges to my account but does nothing. I had some company use my debit card for fraudulent charges and was given a provisional credit. Today it was reversed. Why? This company did not have my authorization to charge my debit card because I have no idea what they were charging for. The bank also did not return the overdraft fees that these fraudulent charges caused my account to be overdrawn. I really dont think they do any kind of investigation. This bank is ridiculous. They do nothing to stop fraudulent activity. I have no knowledge of what this supposed company who charges my account fraudulently.

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 2023-11-02
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE Plan on XX/XX/XXXX thru the Federal Student Aid website. I received an email from Nelnet on XX/XX/XXXX, saying that they received my application. I did not receive any updates on my application after that. 

I called the customer service number a number of times beginning mid XXXX. I was finally able to get through on XX/XX/XXXX. I was told I need to upload my tax returns to the Nelnet website for my application to be accepted. There was no contact from them to inform me to do this. When I applied on the FSA website, I selected to have my Tax information linked thru the IRS, but Nelnet did not accept this method I guess. I uploaded my tax information and was told my SAVE application would be processed in 15 days. 

On XX/XX/XXXX I was sent a message on my account saying I needed to make a payment to be switched from Standard Repayment to the new SAVE plan. However, the letter I received had a blank space under the amount owed and blank space next to the date the payment was owed. I checked my Nelnet account and saw that a {$5.00} Payment was shown as due by XX/XX/08. I made the {$5.00} payment on XX/XX/XXXX. My account now says I have a {$4.00} payment due on XX/XX/08. 

On XX/XX/XXXX I began to get a Pop-up on my account that said my application was incomplete, pending my payment. I called the customer service and was told that I needed to make a one-time payment on the account before they can switch the plan. I informed her that I already did and she said it didnt take, that I would have to try again. I asked if I could make the payment needed over the phone and was told no. 

It is now XX/XX/XXXX and then here has been no movement or updates on my application. It continues to say my application is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My deceased mother, XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX had a reverse mortgage with XXXX XXXX. XXXX XXXX went out of the reverse mortgage which sold her reverse mortgage to Champion Mortgage ( Nationstar Mortgage LLC, DBA ). Her house was under contract to be sold on XX/XX/2021 and the closing was on XX/XX/2021. I executor/trustee of the estate. During that time the real estate agency has sent faxes and made telephone calls to Champion to find out the payoff amount. Champion has claimed not to have received the faxes, at one time they sent me a notice of a lien against the property and when I called told me the information was confidential, and now they told the financial arm of the real estate company that the payoff could not be determined until XX/XX/2021. They also stated the information probably would not be available until XX/XX/2021. 
I have called them on my mothers behalf in the past and they have been able to immediately tell me the payoff amount over the telephone, I strongly feel, due to my interactions with various representatives of this company that they are disorganized, deceitful and that right now they are trying to squeeze the last drop of the fees and servicing costs from the payoff amount. The escrow is frozen until Champion will tell us the payoff amount and they are causing harm to all of us involved, By the way, in small print at the bottom of the papers they send, they say they are a collection agency. 
I would like this company to be reprimanded for predatory, threatening, and uncooperative practices. We did everything we were supposed to, we notified them of my mothers death, I returned their telephone calls and the real estate agency took over the efforts to pay off the reverse mortgage as soon as possible. Champion Mortgage has treated us badly, deceptively and usurously. The real estate company has dealt with many reverse mortgage lenders and I have emails stating that none have been as uncooperative as this Champion. 
I hope you will look into this, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-06-14
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took out XXXX different student loans with XXXX XXXX XXXXXXXX XXXX  while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX . These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school, as well as exceeded the cost of attendance. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the XXXX different private student loans ( serviced by XXXX ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were XXXX XXXX XXXX loans. I am now being sued in XXXX General District Court in the state of Virginia by XXXX XXXX XXXX XXXX XXXX for each of the XXXX private student loans in attempt to collect the debt. 

I received a XXXX in Debt for XXXX of the loans. I have not received the XXXX in Debt for XXXX of the loans, although they are listed on the court docket. I believe they did not in good faith serve me with the other XXXX in Debt in an attempt to secure a default judgement for not appearing in court. The attorney of record handling each of the cases is Scott & Associates , P.C . as shown on each of the XXXX in Debt. In an attempt to avoid going to court, I contacted their office to offer a settlement that was realistically affordable for me given my limited means. They contacted me a few days later with counter-offer that was still well beyond my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase has debited {$600.00} worth of {$34.00} overdraft fees from my account in the past 3 months. Im demanding they return this {$600.00} in fees back to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo taking monthly payments out of bank account when I bank solely with them and use my debit card to make most of monthly purchases

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 2023-10-15
Company: EQUIFAX, INC.
State: DE
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 filed a complaint against Equifax for violating my rights to privacy in XXXX of 2023. 

They are furnishing my credit use nad late payments on my Consumer Report after I formally opted out of said reporting. 

Due to this violation of my privacy, It's becoming difficult to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchased a top from XXXX XXXX shop in XXXX. Cashier repeatedly pressured me to apply for store credit card to lower the price of the top by {$20.00}. After saying no thank you 4 different times to no avail, finally agreed because customers behind me were getting impatient with the line. I dont use store credit cards and when the bill arrived, I must have thought it was junk mail and tossed it out. The actual credit card arrived after that and then I remembered. When I received the second bill, I was charged a late fee that was more than the {$20.00} discount given initially, but paid it $ ( XXXX ) I added a note to please cancel my account and described the pressure given at the store. My check for {$36.00} was cashed by the company. Now have received another bill for an additional {$75.00} in late fees. I called the company and asked that these late fees be adjusted/ forgiven and was told no. I asked to speak to a supervisor and spoke with an XXXX who was very polite but also refused. So I will be paying a total of {$100.00} for what was supposed to be a {$17.00} blouse. I am XXXX XXXX XXXX, and this is very distressing for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: Regional Management Corporation
State: TX
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:
Regional Finance in XXXX, Louisiana sent a convenience check to my parents with the name XXXX XXXX on it to my parents house. My father named XXXX XXXX XXXX XXXX cashed the check by signing his phone number email and drivers license number. My name is XXXX XXXX XXXX. This company placed it on my credit report and after numerous discussions they are aware it is a mistake but refuse to take it off my credit report. I also disputed the account with the bureaus and Regional Finance claims that it is verifiably my account even though they are aware it is not which is a lie to the bureaus and fraud.

Company response to consumer: Closed with explanation