BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE REPORTED THIS BEFORE SAME DISPUTE DIFFERENT COLLECTION AGENCY MY IDENTITY WAS STOLEN & I NEVER HAD A XXXX XXXX. ( See Below ) XXXX XXXX, I was assigned to investigate the XXXX XXXX account associated with the fraud packet that you submitted to XXXX XXXX. I attempted to contact you via the telephone number provided in the packet but was unsuccessful in reaching you. Unfortunately in order to proceed with the investigation you would need to file a report regarding Identity Theft with the XXXX XXXX XXXX XXXX XXXX  Department ( due to the fraud address being in their jurisdiction ) and provide us with a copy of the report. Once the report is filed with the XXXX Department XXXX XXXX XXXX will work with Law Enforcement in order to pursue criminal charges against whomever used your Identity without your consent. If you have any questions please feel free to contact me at XXXX, or via the cellphone number provided below. Have a Great Day!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mon XX/XX/2021 XXXX XXXX  Sir, like I mentioned in my original statement, I'm A XXXX XXXX. We are in a XXXX, Due to my XXXX & XXXX XXXX, I went completely out my way to have the affidavit notarized. When my vehicle was broken into, it was under a {$100.00} worth of valuables stolen. I don't deal with the POLICE. I have had BAD experiences with XXXX XXXX XXXX XXXX XXXX Department. This is a total Nightmare, all I like is to get this off my Credit Report. XXXX does not have any compassion for Identity Theft, XXXX XXXX  or the fact we are in a Life Threating XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed my Chase card information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/2022. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OK
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Nelnet, 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: Account status incorrect

Complaint:
Late last year ( XXXX ) I received a notification from Federal Student Aid that my new servicer would be Nelnet. This is/was my last academic year of law school, so that notification was not unusual considering that my loan deferment will end with my completion of XXXX XXXX. However, my loans remain lawfully in deferment or otherwise are not due until 6 months thereafter, which is XX/XX/XXXX. I have responded to all of Nelnet 's communication. I have activated my online account with them. I even noticed that Nelnet reported tat they are my new loan servicer on my XXXX report. I have satisfactorily managed my student loans, and thus the record of my loans on my credit is excellent. Nelnet initially similarly that my loans were in great standing and otherwise in deferment. However, on XX/XX/XXXX, I received a notification through XXXX XXXX and XXXX that my XXXX XXXX dropped XXXX points due to a new status report from Nelnet. The notification provided no further details regarding the " new status, '' except " remark code removed, '' but clearly such status is negatively impacting my report. Not one of these agencies has explained the exact reason for the negative status report, which is notably inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to the CFPB all medical debt less than {$500.00} or less than a year old from date opened are to be deleted and not reported on credit report. Opening date was XX/XX/XXXX which is less than a year of todays date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I paid the following accounts prior to the release of my credit report from XXXX  and Transunion on XX/XX/XXXX : XXXX ( paid {$1900.00} on XX/XX/XXXX ) XXXX XXXX ( paid {$940.00} on XX/XX/XXXX ) XXXX XXXX XXXX ( paid XXXX on XX/XX/XXXX ) XXXX XXXX XXXX ( paid {$370.00} on XX/XX/XXXX ) Payments in the amounts listed above were not reported on my credit report despite them having been processed before the report was published. 

Furthermore, I made payments to both a collection account with XXXX and XXXX XXXX. IN, in the amount of {$510.00}, and to my XXXX account, in the amount of {$960.00}. Neither of these payments are reflected on the XX/XX/XXXX report. Although they were each processed prior. 

In total there are 5 payments that were made prior to XX/XX/XXXX totaling {$3300.00} and are unaccounted for on the report. 

Finally, I have made payments to both my XXXX XXXX XXXX and Michigan XXXX XXXX XXXX accounts that are not being reported. Even though the payments were made prior to the release of my credit report on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My son 's phone was stolen on XX/XX/23 and he handles my Robinhood account. The individuals who stole the phone hacked into my Robinhood account XX/XX/23 ( without my knowledge ) and sold XXXX of the stocks. They proceeded to then add an account they created through XXXX to transfer the money. Robinhood required verification of a statement, which was easy to do since they had my information. I am not sure if they required ID verification from this person, yet the money was transferred out of the account. On XX/XX/23 I attempted to login to my account. The thief had changed my password. I had to do an ID verification by uploading my driver 's license, as well as, real-time facial recognition. Once in the account there were pending transactions from XX/XX/23 showing sales of the remainingg stocks and transfers to a credit card that is not mine. I contacted Robinhood immediately to stop the pending charges but customer service said they couldn't help me and that they would reach out to me the next day. Too late! The pending charges went through and my account was depleted. After weeks of disputing this, and a police report filed, Robinhood has determined, " no unauthorized activity was detected ''. Customer support will not help and I am now out $ XXXX. Robinhood will not refund me after proof of fraudulent activity through my bank and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During Covid my Navy Federal credit card was charged off because I am a XXXX XXXX veteran and I lost income and had a hard time keeping a job so Navy Federal Charged off my Credit debt. I Requested the 1099 tax info on the charge off and sent them a certified letter requesting it and they have not sent it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Credit Card with USAA, opened  XXXX   XXXX ,  XXXX  with a credit limit of {$13000.00}.   My balance is {$12000.00} I have made all my payments timely and violated no policies with USAA.   I have over 30 years credit history NEVER EVER missing a payment on any account i have ever had.   However, USAA lowered my credit limit from {$13000.00} to {$7600.00}, placing my account more than {$4500.00} over the credit limit This action has caused my  credit score  to drop dramatically by more than  XXXX  points This action also forces me to pay well over the average daily balance percentage agreed to in my contract with USAA.   USAA 's action has caused my " credit to Ratio '' to increase above 63 % This was a calculated action by USAA and I believe I will be able to prove USAA took this action for discriminatory purposes.   As a result of USAA 's unlawful actions, my C.L.U.E  XXXX  report score decreased causing all my insurance rates to go higher.   As of  XXXX   XXXX ,  XXXX   USAA  has NOT provided any notice to inform me of this action or the reasons for reducing my credit limit. No email, no phone call, no message through  USAA  's message portal and no letter via USPS.   below is a federal policy which regulates this issue, there are others with respect to average monthly payments and lowering credit limits below the card balance.      15 U.S.C. 1691   ( d ) ( 1  ). If the action taken by the creditor is adverse, which includes the " denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, '' the ECOA and its implementing regulation, known as  Regulation B,  require the creditor to send a written notice to the applicant.   15 U.S.C. 1691 ( d ) ( 6 ) ; 12 C.F.R. 202.9 ( a ) ( 1 ) ( iii ).
Regulation B specifies that the written notice must contain ( 1 ) a statement of the action taken ; ( 2 )  the name and address of the creditor ; ( 3 ) a statement of the anti-discrimination provision codified in 701 ( a ) of the ECOA ; ( 4 ) the name and address of the federal agency that administers compliance concerning the creditor ; and ( 5 ) a statement of specific reasons for the action taken. 12 C.F.R. 202.9 ( a ) ( 2 ). The statement of reasons " must be specific and indicate the principal reason ( s ) for the adverse action. '' 12 C.F.R. 202.9 ( b ) ( 2 ) " Statements that th  e adverse action was based on the creditor 's internal standards or policies or that the applicant... failed to achieve a qualifying score on the creditor 's credit scoring system ARE INSUFFICIENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: SYNCHRONY FINANCIAL
State: TX
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:
My name is XXXX XXXX and on XX/XX/XXXX i unknowingly signed a contract witha JC Penney decorator name XXXX XXXX. My partner XXXX XXXX and I had agreed to meet with XXXX for a consultation for custom drapes. The Original quote was over S 5,000 and i advised XXXX that we could not afford that. And apologized at that time XXXX then stated i could apply for a credit card i advised her that i was unable to do that. She then asked if XXXX could apply and he agreed she then made a call for XXXX to apply over the phone she stated if he was approved she would give us a discount. XXXX voluntarily gave the information that XXXX requested and was approved for over {$3000.00} in credit. XXXX then advised us shecould give usa XXXX discount since he wasapproved for the jc penney cc. He agreed to put XXXX on his jc penney credit card and i asked my mom if she could payXXXX on  my behalf oncethe drapes were installed. XXXX took all my moms information over the phone while i went to use the ladies room. My mother is an elderly woman XXXX years old and XXXX knew that and mislead my mother and committed fraud. At no time did she tell my eldetly mother she would be charged XXXX XXXX on that day and she said she put XXXX  newly approved JC PENNEY CARD on the custom drape order for XXXX.. My moms cc was charged without her permission on XXXX XXXX 2018 for XXXX and then charged again for XXXX on XXXX XXXX 2018 without her permission and under fraudulent pretenses. At the time i signed what i thought was a confirmation of the appointment was fraudulently a contract. On review of the contract XXXX listed all the credit cards in my name which none of the enclosed cards are mine andi amnot an authorized user on any of the accounts. This company has committed fraud on many levels. You can not change a contract which is a legal binding document and charge a 3rd part cc for a fraud contract in my name. I  decided to leave the relationship and the house and XXXXtold me he called XXXX and told her hewas not paying for the drapesand she advised him to cancel his jc penney cc and theywould charge my elderly mothers bank account without her  authorization. When XXXX called JC Penney they told him the contract was in his name my name was on paperwork because i made the appointment which was not true .Please have JC Penney to listen to calls and review notesfrom calls made to JC Penney Customer Service . I would never sign a contract for drapes in some oneelse house because i was off work due to a XXXX XXXX,. XXXX needs to be investigated and fired. Her and XXXX are friends and plotted this together. Thank you.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.

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 2018-10-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair debt collection practices act I requested from Chase bank who is reporting on all 3 credit  reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called XXXX XXXX a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to Chase bank that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from Chase bank concerning my request. I received a second letter from XXXX XXXX with a new offer to pay them {$480.00} to settle my debt with Chase Bank. Again I have no knowledge of this company ( XXXX XXXX ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. XXXX XXXX are not reporting on any of the three credit agencies. Also, Chase bank never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties  of Reporting agency. Since Chase is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Williams And Fudge via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Williams And Fudge for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that Williams And Fudge mailed as explained in the letter that was mailed.Therefore if Williams And Fudge can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Upgrade, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX - Late payment Upgrade INC -- Late Payment The creditor has violated my rights per in improper use of report per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of error. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Also per 15 USC 166B a creditor must allow ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Per [ 15 U.S.C. 1681 ] the creditor violated my rights to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/XXXX, I got an email from wells fargo about a transaction through XXXX  for {$330.00}. I did not make this transaction whatsoever and called my bank the moment I had the chance. 

I reported it for fraud and went through the process of making a new account password and username, as well as a new checking account where all of my leftover funds and pending tractions were put. Today, XX/XX/XXXX, I received a letter in the mail saying that my claim had been rejected as their research concluded that the transaction was authorized by me or someone else with my authority. 

I plan on calling regarding the documents that led to this decision but I have no clue to what to do. I did not authorize this XXXX  transaction whatsoever, the point of fraud is that someone is using your information without you knowing, is it not?

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