BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: GB Collects, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a phone call from, GB Collects stating that I owed a bill to a company I had no knowledge of. I asked to receive information via mail regarding the charge and I would look it over. Around XX/XX/XXXX, I received a very bland letter in the mail stating that GB Collects represents " XXXX XXXX '' and that I owe an amount of {$700.00} - again no knowledge. 
On XX/XX/2021, I wrote a letter to GB Collects notifying them that I dispute the validity of the full portion of the invoice and that I was requesting verification of the debt to be mailed to me. GB Collects responded on XX/XX/2021 ( apparently they received my XX/XX/XXXX letter ) that " Our client has declined your dispute on this delinquent balance of {$700.00} owed to our client, XXXX XXXX, due to lack of proof. '' Question : If the company that states I owe a balance doesn't have proof of the balance then who has proof, and who can verify that I owe the debt? 
Additionally, in the XX/XX/XXXX letter I requested to " ONLY '' contact me via mail at the address they have listed on their correspondence. I specifically asked " DO NOT CONTACT ME ANY FURTHER THROUGH A PHONE CALL ''. 
Since the XX/XX/XXXX letter, I have been contacted via phone and with leaving a voice mail on XX/XX/XXXX, and XX/XX/2021 ( I can provide proof of this information ). 
Around XX/XX/2021 I received another letter stating that " XXXX XXXX will no longer tolerate any more delays in recovering their monies. This appears to me to be a threat or a scam as I have asked for documentation and verification of the amount stated to be owed and to no avail have I received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have suffered severe hardships that have led to me falling behind on my mortgage. My hardship began when my ex-husband basically abandoned me and my son XX/XX/XXXX-this led to our divorce in XX/XX/XXXX. My ex-husband was the main income earner for my family and after he was fired from his job of almost 10 years we started to have problems with paying bills. When the divorce was finalized I was awarded this home and spousal and child support. Due to him losing his job that support stopped for me and my son, making the mortgage payment unaffordable for me. I receive XXXX for some debilitating conditions and in XX/XX/XXXX I was diagnosed with XXXX. The diagnosis as debilitating as it is, has not stopped me from doing what I needed to do to keep my home. I wanted to keep my son in his familiar neighborhood, that has proven to be a challenge for me. I have been appliying for mortgage relief with Nationstar for years now. I have income to prove, I can afford a mortgage payment but have experienced nothing but difficulty in the review of my options. I was even foreclosed on back in XXXX of this year, another error by Nationstar, that was corrected via them rescinding that sale. I was told they would work with me on a HAFA short sale, I desperately need relocation assistance to move my young son and my mother that is now in XXXX. I listed my home as instructed by Nationstar with an agent that presented an offer to them for consideration, this was all before any new sale date was set on my home. Nationstar working against me set a sale date on my home and are now using that sale date against me, refusing to proceed with reviewing everything I have given them. It is painful to come to terms with having to let go, now I must also face being forcefully removed from my home of almost 15years! I have worked tirelessly with this company, I am not trying to delay anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I consolidated my student loans from XXXX  school around XX/XX/XXXX. My payments over the past XXXX years have been on time and typically over the amount due. Everything seemed to be going along as expected on my statements with the amount of money I was paying towards interest decreasing as my loan amount decreased. I paid off my student loans on XX/XX/XXXX. I was surprised to receive my 1098-E showing that I paid {$5200.00} in XXXX as I paid under {$700.00} in interest in XXXX. I received my loan disclosure and my transaction details which did not explain why my interest increased in XXXX and XXXX of XXXX. It almost seems like I was precharged the interest for the life of the loan ( around 30 years ). They made it seem like I was paying interest as I go but then when I paid off my loan early, they charged me the interest as if I paid off my loan over its entire term ( around 30 years ). To me, this seems like a pre-payment penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a deposit was made in the amount of {$2500.00} via a XXXX XXXX XXXX bank check. The check was deposited via electronically and was flagged as " fictitious ''. After calling the credit union, our bank CONFIRMED legitimacy twice. Then the funds were posted and after a few days registered. Then a few days later, the money was removed and the account closed. After visiting our branch manager twice afterwards, she assured us that the funds were good and that they would request to " reopen '' the account.. Days/Weeks later, the issue has not been resolved. Each time we call the bank office or go into the branch bank, we get different information and none of them agree with the other. After today 's run-a-round at the bank, we call the Bank Corporate and got another response from a XXXX who confirm 100 % that his response was accurate, we called directly back and spoke with another person. They gave us a completely different response. Then we ask to speak with a supervisor and again, we get a different response. The bank is holding my money ( {$2600.00} ) with no solid date of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 somebody took {$24000.00} out of my Checking Account. 
My mistake was that I had the Bank page open when I was talking to this person. I was complaining about getting many emails about XXXX subscription expire ( about dozen emails ) .He said ( fake of course ) he will see If I was charge and he will cancel such subscription. In the mean time he managed to move {$50000.00} from my Saving to my Checking. You can't make a transfer from Savings Account. Once money was in my checking account he transfer this {$24000.00} to his account at XXXX Bank. 
I think he installed a malicious software ( XXXX XXXX ) in my PC. I was told this at XXXX. 
I called my Bank immediately and they said it was a Fraud and cancelled my XXXX accounts. 
They connected me with Fraud Department and they said they will communicate situation to XXXX Bank for them to not let money go. 
It seems both Banks acted to slow. XXXX let money go next day even knowing it was a fraud

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 2023-11-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a savings account. On XX/XX/XXXX, I went to a branch location, so I could apply the {$520.00} offer I saw for existing savings accounts. The banker tried her best to apply the promo, but there was no option to apply the promo code. She called tech support and they opened a ticket to look into the issue ( XXXX XXXXXXXX ). 

Since I was not sure when/if the code was applied, I acted as if the code was applied on XX/XX/XXXX, just so I did not deposit the money too late. {$25000.00} was successfully deposited on XX/XX/XXXX. 

I called Wells Fargo on XX/XX/XXXX to ensure the code was applied. I was told that the bonus would be tracked manually. On XX/XX/XXXX, I called Wells Fargo to check the status of the bonus, since I was not sure when the clock on the bonus started ( whether it would be backdated to XX/XX/XXXX or another date ). I was told that the code had actually been applied on XX/XX/XXXX. I am now past the 90+30 days for the bonus.

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 2023-10-02
Company: Nicholas Financial Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we were in bankrupcy with nationstar, they claimed they were not getting payments from bank rupcy court.. we pulled out of bankrupcy and started sending payments o them. i belive they are holding the late payments from bankrupcy court agianst me. if i was months behind they would have reposessed. my atorney was XXXX in XXXX va, the bankrupcy court judge was a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NY
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:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NY
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:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction-Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card was close and i used my own to open the account they reported late as well the account is closed and they still reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-11
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
I been trying to get Experian to update my address since 2020, XXXX has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.

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 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, XXXX on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: LEXISNEXIS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 suffered an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy. 

accounts for a XXXX XXXX with account # XXXX with a balance of {$8900.00} accounts for a XXXX XXXX XXXX with a account # XXXX Inquiries with Capital XXXX inquired on XX/XX/2020 inquiries for XXXX inquired XXXX XX/XX/2020 All these above items are fraudulent!

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 2022-09-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Management , LLC ( https : //credencerm.com ) calls every day and requests that I provide my social security number and address in order to resolve a supposedly outstanding debt related to a healthcare expense from earlier this year. The referenced expense was fully paid on time through my health insurance provider and no debt was ever owed. This is clearly an attempt to steal my identity and possibly to scam me into making payments to them. 
Phone numbers used : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: GA
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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