BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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 am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX  XXXX Balance Owed : {$140.00} XXXX XX/XX/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 As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was approved for a trial modification earlier this year that was for 6 months, ending with the last payment XX/XX/XXXX. I made every payment on time. When it came time to sign the paperwork, I did not sign it, because Selene Finance made a mistake with the names of the people they wanted to sign the paperwork. From mid XXXX until XX/XX/XXXX, I reached out several times to the XXXX I had been working with by the name of XXXX and she never returned my calls. It was on XX/XX/XXXX when I spoke to XXXX of Selene that told me the approved modification package was old and I had to start the process all over again this time providing proof that the name XXXX XXXX was not on my deed and stating that XXXX XXXX and XXXX XXXX were not going to sign the modification, I was going to be the only signer. In addition the amount of money although I paid it each month was ridiculously high Selene seemed to be trying to set me up to fail. After receiving the paperwork from the Courts showing I was the only one on my deed, I complied and sent in an entirely new loan modification package, sent it in by XXXX it arrived to Selene on XX/XX/XXXX, and to date, they have not even looked at the loan modification package per my phone calls in speaking to different Selene Reps on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. On XXXX I was told by Selene Rep XXXX to write the loan modification/resolution department to ask for a review of my package sent in back in XXXX. And today when I called and spoke to XXXX I was told still nothing had been done, but yesterday XXXX sent someone here to take pictures of my house I happened to be outside, and the person told me to " call my mortgage company ''. XXXX whom I spoke to today told me she suggest I send in another new modification package! I told her every time I do this it cost me {$60.00} to {$70.00} to make copies and send off a package by XXXX, I asked her if I could leave a message for XXXX and she said she would make " note of my request '' but she could not reach out to her on my behalf. So I assume from mid XXXX to XX/XX/XXXX all the other Selene Reps were lying when they said they were sending XXXX interoffice memos while they were putting me on hold trying to get her on the line and/or saying they were leaving messages for her to call me??? Selene is not trying to work with me, even though I paid my trial modification payments on time. I am getting the run around, when all they had to do was change the paperwork taking off the names XXXX XXXX and XXXX XXXX from the original approved modification given back in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit 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:
Goldman Sachs employees continue to perpetrate serious federal felonies by perjuring themselves before the Bureau, saying I ever made an untimely payment on my credit card. This casual and dismissive and false response is XXXX and unacceptable. Goldman Sachs employees need to be criminally investigated under the federal obstruction of justice laws for lying to bank regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX  I made a transfer to a family member in the amount of {$200.00} using zelle linked to my XXXX and this money was never received by other parties. I didn't know that the word XXXX was not supposed to be used in the memo section. Now Zelle has my money frozen. Please, I need a resolution with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CAVALRY PORTFOLIO SERVICE called and did not identify themselves. Then she asked for my birthday and other information. When I asked what it was about, she stated that it was " personal information. '' Again, I stated that I would not give her my birthday or any other confidential information until they identified themselves and what they were calling about. She stated that she had my social security number and birthday ; they just wanted to confirm my identity. I asked for the reason a second time. Again, it was " this is a personal business matter. ". I refused to give her any information and told her not to call again. They called two more times, using the same explanation that this is a " personal business matter. '' I refused to give her any information until they identified themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I discovered that I was scammed by someone impersonating a XXXX XXXX  XXXX. A woman that is working in conjunction with online scammers who lied served as the " agent '' here in the USA that helps customers like " me '' to send payment for a package in order for me to receive. The money transfers were via XXXX through my personal Bank account. After I realized that it was all a scam, I called and spoke to customer service representative on XX/XX/2XXXX XXXX XXXX  EST at XXXX in which they told me to report the the scam at XXXX : XXXX. I had to do two different reports because there were two transactions. I did and never heard back from anyone. I also called Chase Bank to report the fraud and they referred me to contact XXXX to report the scam. 

I sent several request to the person who received the money to return the money because I had found out that it was a scam however, the person never responded. images showing that the transactions went through and the person confirming that she received the money. I addition, I have emails where the woman states that she has " helped '' others in the past with the address of the places she go to make the deposits. The receipts shows the date, the name of the woman who is doing the dirty or serving as the middle person. Last, I have the person 's bank account, routing number that they wanted me to transfer the money to. 

I made to separate reports, one with the IC3 FBI and the other with the FTC. I've never heard back from anyone either. I would like to know if you can help me get my money because I am struggling financially.

It would be nice if I could talk to someone who can help get these scammers because I have information that can help get them such as emails and receipts showing the places where this " agent '' utilized several times to continue with her crime. Sadly, I did not get any response besides the confirmation that my reports and complains were received meanwhile, these people continue to take advantage of good people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 

Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed Nelnet directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a process of garnishment from small claims court of XXXX XXXX. The docket number is XXXX. I never had anything or signed a contract with XXXX XXXX XXXX XXXX XXXX. The Attorney office is Zarzaur & Schwartz, PC. The amount is XXXX plus interest which totals to {$1000.00}. They are threatened to withhold 25 % of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to express my concern and submit a complaint to CAPITAL ONE regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, CAPITAL ONE will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Affirm Holdings, Inc
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute specific entries on my credit report, as I have encountered difficulties obtaining accurate information from the companies associated with the reported accounts. 

Upon reviewing my credit report, I noticed several names that do not belong to me. Despite my efforts to seek clarification from the relevant companies, they could not provide satisfactory information or assistance in resolving the issue. Furthermore, I observed discrepancies in the spelling of some names, which led me to believe that these were false identities. 

I want to emphasize that the names appearing on my credit report are not mine. I can substantiate my claim with documented proof, such as my birth certificate and social security card, which bear my correct legal name. It is disconcerting to encounter such inaccuracies, and I am eager to rectify this situation promptly. 

It's frustrating when contacting various companies proves challenging due to not being the account holder, a situation I find myself in. Dealing with matters wrongly attributed to my name adds a layer of frustration to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
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:
PORTFOLIO RECOVERY ASSOCIATES IS KNOWINGLY ATTEMPTING TO COLLECT AND REPORT ON A DEBT AS A NONAFFILATED THIRD PARTY THAT HAS ALREADY BEEN REPORTED TO THE IRS AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT BY THE ORIGINAL CREDITOR. PORTFOLIO RECOVERY ASSOCIATES HAS ABUSED AND VIOLATED MY RIGHTS AS A CONSUMER AND TAXPAYER TO REPORT MY INCOME TO THE IRS PROPERLY AND ACCURATELY UNDER FEDERAL TAX LAW OF INTERNAL REVENUE CODES OF 1986 ( IRC ) TAX LAW 13-35 SECTION 1.166-2 ( d ) ( 1 ) ( 3 ) and SECTION 2.166 ( a ) ( 1 ) ( 2 ). I HAVE NOT RECEIVED A 1099-C FROM PORTFOLIO RECOVERY ASSOCIATES SO THAT I CAN REPORT MY INCOME TO THE IRS ACCURATELY .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Professional Credit Service sent me a bill a year ago with an option to pay online, over text, or via phone call. However, the bill did not include an invoice number so I wasnt able to pay online. My attempts to pay over text went unanswered. When I attempted to call, there was no option to speak with a representative and the robot would not accept the account number I retrieved from the bill. I tried several times to pay, but none of the options provided by the company allowed me to do so. Today, I was able to get my account number to work for the first time over the phone. I now owe ~ {$300.00} in interest because of how late the payment was. However, the only reason it is late is because I was unable to pay due to their website, text, and phone service not working.

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 2023-12-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a call from target in regards to a credit card application. I did not apply for their credit card and other than my name and a previous address, the other info given did not apply to me. Target marked the application as fraud and suggested I report the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have switched from XXXX to XXXX XXXX, back to XXXX again sometime in XXXX. I have always pre-paid my insurance be it with XXXX or XXXX XXXX. I was asked for an amount that they ( XXXX XXXX ) thought I owed them to which I have explained that I do not owe them anything given that everything is prepaid. 

I have not paid much attention to it but this has affected my credit score to which I have tried to take the corrective action by raising a dispute last year and this year which did not resolve anything. I tried to contact the collection agency through phone number and I have literally waited for a 2 hr period after which I have not received any response. 

I would like to resolve this by clearly explaining to them but there seems to be no interest on other side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check via BoA 's mobile banking app, and it is being held for a week. 

This is wrong, solely because the check is drawn on BoA. This means their protestations about wanting to verify the check are false, because the check is drawn on funds already deposited. 

I might have had the option of depositing the check in-person, but they have closed all the branches near me. The nearest one to me is in XXXX, XXXX miles from my home in 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 monetary relief
Consumer complaint received 2023-12-09
Company: Incomm Holdings Inc.
State: AZ
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/ my employer had their XXXX XXXX XXXX and gifted me a {$100.00} vanilla visa gift card. The gift card looked brand new and sealed in the initial visa cover. When I opened the card, the 4 of the numbers were scratched off and I was unable to use the card. I contacted visa and gave them the serial number of the card, the amount was still on it however, they stated this is a well known scam, and they were most likely not going to reimburse me or send a replacement card. The {$100.00} was still on the card at the time of the call. Apparently, this is a well known scam and there is currently an active lawsuit against Incomm for this. I want my {$100.00}, its only fair and right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I already have a Chase Quest credit card which I applied for many years ago. They recently sent me a Chase Sapphire Preferred card, telling me I was pre-approved when I never applied for it. I never activated the card and threw away the letter. 

A few weeks later I noticed that the card had been activated and was listed in my Chase app with a {$95.00} fee. I called them immediately and asked them to close the card, telling them I never applied for it or activated the card they sent me. They closed the card immediately and told me this was fraud. They also asked me to call XXXX to report the fraud. I contacted XXXX who then tried to sell me their products, but I just reported the card as it seems to have damaged my credit rating. 

I dont believe this was external fraud as how would someone outside the bank know that they had sent me a pre-approved card? There were also no charges to the card other than the {$95.00} fee. Why would a fraudster open a card and then spend no money on it for several weeks? This makes me believe that it was Chase who just opened a new card on my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.

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