BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX National Recovery Agency contacted me by phone and informed me that I owed a debt of {$3300.00} for my XXXX XXXX in XXXX. There was never a piece of mail received from this company. I contacted them several times by phone and mail in an attempt to learn who is the company or the doctor that they say I owe. On the phone, I was told that information was unavailable and could not be provided. Mail was ignored, and no reply was received. Shortly after, I had a collection appear on my credit report. I have since then contacted XXXX twice by mail asking them to verify this debt, and both times I have not received any reply- just complete silence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: JPMORGAN CHASE & CO.
State: NJ
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX. {$0.00} Acct # : Bal. {$0.00} Acct # : 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: MI
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Navient Solutions, LLC.
State: GA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

NAVIENT XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2021 us small business administration this account was opened fraudulently this not my account please remove

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 2021-07-22
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: Information belongs to someone else

Complaint:
This debt does not belong to me ... XXXX XXXX  XXXX along with the credit reporting agencies are violating my rights as a consumer by furnishing information that is a result of identity 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 2023-03-03
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
we had a solar system installed by XXXX XXXX XXXX. main company is in XXXX XXXX texas. 
the florida operations went out of business. 
we have a loan thru Mosaic Solar loan company we signed a contact XX/XX/22 we have contacted both mosaic and XXXX texas bby first class and regular mail, filed complaints with XXXX florida, texas and california. 
we have filed complaints with the states attorney generals office in florida, texas and california we have proof of calls ( hundreds ) to XXXX and Mosaic to no avail, before the lines were disconnected or mailboxes were full Mosaic told the XXXX that things were resolved, yet they told us that they the loan company was unable to contact XXXX XXXX. 
we have filed complaints again with Mosaic after over an hour on the phone yesterday with them. I had stopped the ACH payments 2 months ago. 
the file if 3 inches thick now and post it notes are numerous as to dates and who we spoke to. 
XXXX texas DID send a third party out 2 months ago, 1st solar out of florida to look at the ssytem and inform XXXX texas what was wrong. at that time we were informeed the structure was not installed properly to code and was not wireed properly and only 6 of the 20 panels are generating power. the 1st solar company voice mail is full and the contact person XXXX who is a supervisor for 1st solar his mail box also full so we are or were paying both a power bill and a laon payment which we stopped 2 months ago. 

everything is documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Mobiloans, LLC
State: AL
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:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
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:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023 {$5700.00} Navy Federal Credit Union ( NFCU ) refused to authorize transaction. 

Talked to two females at phone number for NFCU, lied and said problem is not them. Asked to talk to supervisor of first female, second female was not supervisor and then directly contradicted me about asking to speak to supervisor, then transferred after long hold to male. Man continued with same claim problem is not NFCU, wanted to ask about why name of business on card is XXXX XXXX  XXXX, did not want to discuss, claimed I was wrong about topic of discussion, and when confronted with his problem, which all other customer service persons have problem, hung up on me. 

Called and spoke to XXXX, who although nice, claims address is different than one on statement. I have already told NFCU the business should be XXXX XXXX  not a limited liability company ( LLC ). The address listed on the statement is a post office box I no longer use, and all these people say my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX, which is wrong, the address on the statement is what is being used. 

XXXX said he was going to talk to the fraud department. After a long time on hold, he said he was still trying. 

I have issues with NFCU disputes on their credit cards. They would not do anything about them, always just say the dispute is my problem. This time around, transactions went through fine, now they falsely claim my information is not being submitted correctly in the electronic transaction. 

Spoke to someone named XXXX, had similar issues communicating, asked to speak to someone else, gave me flak about it and put me on extended hold. 

Now talking to XXXX. Claimed to be in fraud department, but had no idea what transactions I was referring. Hung up on me. 

Spoke to XXXX. Transferred me to a specialist who was unable to resolve the issue, even though XXXX told me exactly what the problem is. After difficulties communicating with this person, who XXXX claimed was able to resolve the problem, she transferred me. 

Spoke to supervisor. Most relevant complaint is NFCU purporting to offer credit, and not allowing me to use it. Talked to what sounded like an African-American lady, was sort of wise about getting me to respond. 

Plan to close card as soon as possible. Unable to change business name from XXXX XXXX XXXX to XXXX XXXX  on credit card or provide service claiming to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have repeatedly asked HSBC USA through HSBC XXXX to reverse the {$120000.00} transaction I sent through them after falling victim to a scammer. However, this bank has taken no action, and I received an email informing me that they can no longer assist me because they have sent the funds to the recipient already. HSBC USA and XXXX abandoned and disregarded me when I required assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX  is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity 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 non-monetary relief
Consumer complaint received 2021-07-07
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
as of XX/XX/2021 Universal Collection Sys has reported a as a collection on my credit report, thus damaging my credit. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. I have never provided my social security number or card for any line of credit from this company. I am an XXXX XXXX pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. I have never entered into any contract with this company and This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I authorized a withdraw using be debit card in the amount of {$490.00} for an appraisal for a mortgage refinance. My account was charged {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX, my account was charged again for {$490.00}. This was unexpected and unauthorized and sent my account into overdraft. I contacted Loan Depot immediately. They admitted it was their error and promised to have the amount credited back to my account. 
Though I have contacted them repeatedly and they keep saying they'll return the funds, I still have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Chase and request a copy of the charge slip I signed because I want to go to local police and file a complaint against a business. 

They would not send it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Again Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper is a registered mark service for Nationstar Mortgage still operating it's business as Nationstar Mortgage. Severally in the past Mr. Cooper asked me to submit same documents over and over again which were immediately submitted but were not utillised for the purpose intended that is to modify my HAMP Loan modification I applied for in XXXX. Instead Mr. Cooper engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification I applied for in XXXX. Mr. Cooper never conscientiously try to help me modify my loan so that I could stay in my house. Instead Mr. cooper engaged in looking for any rabbit hole it could find all in an effort to justify itself why it could not modify my loan. Is even more so now not giving me any justifiable reason or reasons why my house is scheduled for foreclosure sale on XX/XX/XXXX. It is obvious that Mr. Cooper 's goal is to sweep my HAMP Loan modification I applied for XXXX under the rug. Mr. cooper can not unilaterally resolve my HAMP Loan Modification because The HAMP Modification Program guidelines specifically stated to  resolve a loan under the Program it has to be bilaterally resolved and not unilaterally resolve. To do so is a violation of the HAMP Loan Modification Program guidelines. Also, Mr Cooper again is violating the Virginia Bankruptcy Law by repeatedly touting me with a voluntary payment in the amount of {$460000.00} which is illegal. I filed for bankruptcy in XXXX and my wife filed for bankruptcy in XXXX and both were discharged. XXXX XXXX XXXX XXXX in it's letters six of them, context the same that I received on XX/XX/XXXX said please find enclosed advertisement as published in XXXX XXXX XXXX. In all six foreclosure sale letters I received I could not find any advertisement as claimed by the Trustees, a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I found out my identity had been stolen. Someone used my social security number to open a Pay Pal World Master Card. I reported it to Synchony bank, all 3 credit monitoring businesses, made a police report. Synchony keeps calling. The last call was yesterday, XX/XX/2023 saying they had closed the fraudulent account & were opening a new account & want me to make a payment. This is ridiculous.

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