BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: 3rd Generation, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. 

I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
PayPal stole fees from me the seller and ruled for the buyer under the guise of 'Buyer and Seller protections ', yet when offered a reason how this protected me they stated on a call to me that 'I protected myself ', and I must ask what exactly I am paying for seller protection for if I had to protect myself and why this fee is legal???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
1. We have opened and have been using checking and savings accounts with Wells Fargo Bank. 

2. Recently, we have started noticing evidence that all of our accounts with Wells Fargo have been controlled by the National Security Agency from the time we opened our accounts until now ( as of XX/XX/XXXX ). 

3. National Security Agency decides what transactions will be approved at what time in our accounts with Wells Fargo. 

4. We have also uncovered evidence that National Security Agency has been XXXX our family as you read this. This led us to the discovery with respect to Wells Fargo Bank. 

5. We want to know from Wells Fargo, Answer to the following question : " Did Wells Fargo at any time worked with the National Security Agency with respect to the activities in our accounts? ".

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX IS REPORTING A DEBT THIS IS NOT MINE. THE ORIGINAL CREDITOR IS XXXX XXXX. I HAVE NEVER LIVED AT XXXX XXXX. ACCORDING TO COURT DOCUMENTS PERSON WHO LIVED THERE SOCIAL ENDED IN XXXX. NOT MY SOCIAL. THEY WERE EVICTED AND FILED BANKRUPTCY AND THIS IS PUBLIC RECORD. MY COUSIN AND I HAVE THE SAME EXACT FIRST MIDDLE AND LAST NAME. SO MY NAME IS VERY COMMON. THIS IS NOT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an escrow account with my mortgage company for insurance and taxes. They did not pay my taxes for 2016 until after I was served by a constable in XXXX and called them. They paid all interest and penalties incurred from my escrow money although it was not my error. Now the county taxes are suing me for court costs for this incident for which I was not responsible. My mortgage needs to reimburse all penalties and interest as well as pay the court cost for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX is not applying payments appropriately. WHen asked they claim to apply the amount to the highest interest balance and then to any promotional balance. They offer both deferred interest promotional offers and Equal pay ( XXXX % interest ) offers. They have admitted that if you make XXXX payments in XXXX month, they will apply the payment to any equal payments twice violating their own agreements with both the equal pay and by not applying payments to the balances with greatest interest are violating the XXXX  Credit CARD act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a consolidated student loan with Nelnet, for a school that went out of Business shortly after i left. The name of the trade school Was XXXX XXXX College, address was XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. I attended that school from approx. XXXX XXXX to XXXX XXXX. Part time in the evenings. The course was XXXX  XXXX.a XXXX yr, diploma. Not XXXX XXXX. I was working full time for the Federal Govt. as a XXXX  XXXX. The school way over charged us, promised us a XXXX job. Plus someone in their Adminstration must have sold our Social Security numbers to someone, because many of us were victims of Identity theft, myself included. This was on the news. I still have to do my taxes with a pin number because of this breach of security. Finally, as i mentioned, i was stil working for the Federal Govt. after i got finished with the school and i have been making payments every month from approx XXXX, to XXXX while i was employed with the XXXX XXXX. I spoke with Nelnet people a couple times about any type of loan forgiveness, or even reduction in the loan based on all these circumstances but got nowhere. I am unable to locate my nelnet loan number at this time, i havent had to make a payment since XXXX due to covid. I am now retired from The XXXX XXXX and would appreciate any help you could give me in either reducing, or forgiving the school loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Alessi & Koenig, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Alessi - Koenig law firm sought to collect a debt -- {$2300.00} in attorney 's fees -- for services that were not performed.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance Owed XXXX {$16000.00} ;

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX reviewed a copy of my credit report and noticed this account and the following inquires do not belong to me. I am a victim of identity theft : Inquires : 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 non-monetary relief
Consumer complaint received 2017-04-06
Company: Shermeta Law Group, PLLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
In my request for production, plaintiff is unable to procure documents showing the transferring of alleged contract or account information from XXXX over to Shermeta Law Group who does not even practice in the county or state that I am in. 
Counsel objects to my request to provide a contract, agreement and assignment or other means demonstrating that the plaintiff has the authority and was legally entitled to collect the debt. 
They admit that no such assignment has occurred but they are not required to by law. They cite an XXXX v. XXXX XXXX District XXXX XXXX, but their firm and the original alleged lender do not practice even in XXXX County. 
Furthermore, I am not employed and I am on XXXX and they threaten to garnish my wages. In their letter which has conflicting dates as to when it was sent and when things are due is confusing. 
And MOST alarming is the statement that says, " It is to your advantage to avoid garnishment of personal earnings because the extra burden on your employer could possibly cause you to lose your job. '' That is a threat and a fear tactic and illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Accelerated Receivables Management, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received XXXX postal letters from Accelerated Receiveables Management , Inc. I verified that they are not licensed and have been in contact with the Arizona Department XXXX XXXX XXXX that has been investigating this company as they are not licensed in Arizona as a debt collector. In email conversation with the XXXX of the company XXXX XXXX she stated I will transfer this to my law office I do not need a law license to sue there meaning Arizona.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I went to the Chase branch in XXXX, Wisconsin to open a new bank account, because I received a coupon via email, saying chase is offering a {$900.00} reward for new accounts. It took me more than XXXX hours driving to get there. The staff there recommended their premier checking and saving products, and everything get done by about 5pm that day. Chase staff also reminded me to set up direct deposit and transfer {$15000.00} into the new account in order to get the new account reward. 
After I returned home, I transferred in total {$10000.00} into the new Chase account via XXXX in the following days, from another bank account of mine ( BoA ). There were three transfers in total because XXXX has daily and weekly limitations. The transfer detail is : {$3500.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX, and another {$3000.00} on XX/XX/XXXX ( the receiving time may be different ). I also set up a direct deposit to the checking account. The next salary was supposed to be paid on XX/XX/XXXX ( bi-weekly ). 
Then on XX/XX/XXXX, I found that I can not transfer money from checking account to my saving account. I thought that maybe there may be a delay in the system, so I waited until XX/XX/XXXX. I found that I still can not do anything about my accounts, so I called the Chase asking why. They told me that they have decided to close the account, and refuse to provide any explanation. Right after I made the call, I found that I can not log in to my account via Mobile app or Website. They just locked everything and told me to wait until the closure is complete. I can not even manage my credit card any more ( I also have a Chase credit card, and already set up auto payment from the Chase checking account. So if they keep locking my account, I will get defaulted next month ). My employer is supposed to pay me on Friday, and since they locked my account, I don't even know where my salary goes. I called their XXXX branch, their customer service, their anti-fraud center, etc., a lot of departments. All of them kept saying that this is a final decision and there is nothing they can do, and I will never be able to open any accounts in Chase because they put me on a blacklist. There is even a guy saying that this is their right to do anything they want. Seriously I don't understand why Chase is doing this. This is irresponsible, offensive, and disrespectful. All I did is I drove a long way to Chase and opened an account, then deposited {$10000.00} in there. Then without any alerts, they shut it down and caused me so many troubles. As a consumer, I felt unfairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE BANK USA with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2020. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Revolut Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a transfer by mistake and immediately contacted revolt to recall the transfer. After speaking with several agents that instructed me to unsend the transfer or recall the transfer They stopped responding when I sent them screenshots of the recall transfer option not working. You click it but nothing happens. As for the unsent option it does not exist. This is when communication stopped each time even when I sent an excerpt from your website clearly saying that I had the right to cancel within 30 minutes they did not respond

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 2016-05-10
Company: Scheer, Green & Burke L.P.A.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This Was Sent Into Debt With Out Me Being Informed Of The Debt, The Date Of Debt Says From XX/XX/XXXX But Was n't Submitted Until XX/XX/XXXX As Shows On My Credit Report, They Will Not Show Me Proof Of This Debt I Have Ask Several Times For Them To Send Me The Proof, Ive Called And Ask To Have The Lawyer Call Me & Will Not Respond, I Went To Office They Showed Me A Paper With Blank Pictures Showing No Proof But A Bill Amount, They Have Been Doing This To Me For Years Charging Me For False Fines Or Cleans With No Proof Of Action, Ive Talked With Head Supervisor Of XXXX Many Time To Have Thrown Out But It Seems Some Still Get Sent Over To Collection, They Have Tried To Charge Me For Boarding Up My House I Boarded Up Myself & Had Pictures With Dates Show They Didnt Do This Work, This City Is Very Shady And Crooked Charge People For Stuff Never Done & Falsely Making Up Bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Lewis, McDonnell & Associates
State: LA
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:
As of XX/XX/2023 this company is still reporting a false account on my credit report after stating that they would have it removed it from 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Started monitoring my credit in 2017 and noticed a student loan, have been trying to report a fraudlent account had been opened in my name but had experienced a financial hardship. When I began to get financially stable I was able to start disputes, report my identity stolen and get my life back. I called XXXX XXXX XXXX, XXXX and NelNet to dispute directly through them. Nelnet refuses to investigate even with my identity theft report being submitted to them. I did not authorize any student loans and had no knowledge of this account until XXXX later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
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:
The XXXX XXXX XXXX XXXX accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, XXXX and Equifax fail to remove the account due to it being inaccurate and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX  XX/XX/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 non-monetary relief