BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 The XXXX XXXX sent me an email, notifying me that they had canceled the account, that we do not owe them anything, and that we do not have to pay anything, that we keep the devices because I have spent a year, and the letter was sent to me by the department of sale compliance partner, by the representative of this department, Mrs. XXXX XXXX. The debt was XXXX, because I previously made a complaint to this XXXX XXXX, for bad facilities and excessive charging for poorly installed service, now it turns out that the XXXX XXXX  is charging me {$1100.00} for XXXX payments, Threatening to take me to Colection and wanting to damage my credit, they spoke with the bank and the bank was very rude and aggressive in answering me that I had to pay that debt or it would damage my credit and the bank was notified that I had a carte de XXXX Notifying me that I do not owe anything and that I should not pay anyone, I have the letter in my possession I can send it to you whenever you like, the Citizens Bank, was very rude and humiliating in collecting a debt that I do not owe, the bank loves me cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are 2 accounts from Dept of Ed/Nelnet XXXX XXXX my name on XX/XX/2023. XXXX for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX  from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted XXXX and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the XXXX XXXX XXXX Nelnet XXXX I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX can provide whatever is needed along with picture ID. I am 100 % sure that the XXXX XXXX XXXX/Nelnet can not provide my same information. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took out approved {$1600.00} loan XX/XX/XXXX with netcredit, deposited XX/XX/XXXX. Made 3 : ontime payments each {$89.00} and change. Decided to pay off loan today XX/XX/XXXX. Went to netcredit website, copied down principal amount {$1500.00} and change. Called NetCredit but had to pay {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2023 I purchased gas at XXXX XXXX in XXXX Pennsylvania. The pre-authorization amount and hold was {$170.00}. In my other instances at this gas station, the hold was lifted within 24 hours. However, the hold was never lifted. I was charged for XXXX gallons of gas despite the fact that my gas tank can only hold up to XXXX gallons. I have disputed this twice, Capital One refused to reach out to the merchant. I had to spend approximately twelve hours on the phone over the course of three months, just to get a minimal amount of information from the merchant. Once I finally received the receipt from the merchant and uploaded it to a third dispute with Capital One I was informed that not only can I not be helped, but also that too much time had passed. This can not be accurate because my original dispute was within 10 days of the charge and I have been in contact on multiple occasions since that time. Compounding this issue is the compounded interest since that time. Ive been charged interest on the additional {$100.00} that I am owed and I have not been able to use my credit card since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Through this platform, which I am sure is a very excellent agency, I hope to have some help from it. My situation is that this debt collection entity was initially called NATION STAR MORTGAGE LLC, and later changed its name to MR. COOPER LLC, I have tried by all means to grant me a modification to keep my house where I have lived for the last 15 years with my family, my wife and children. 
As everyone knows, the PANDEMIC-COVID-19 has been devastating in every way, causing many deaths, separating families in many ways due to the consequences caused by it, such as unemployment, inflation, lack of products, and all the products have tripled in price.

2019 where apparently everything was normal.

I explain all this to get to the subject of my complaint.

This entity has been fined by its department for irregularities and for violations of federal laws that regulate loans and finances, therefore this ENTITY now called MR. COOPER LLC, which is the entity in charge of collecting this loan, has already had its history that they have violated the RESPA, TILA and possibly other laws. 
This entity has taken on the task of not cooperating with property owners ( Primary Residence ) to modify those loans so that families who have suffered so much with this PANDEMIC-COVID-19 at least have a place to live with their families..

I have called the ENTITY trying to obtain a loan modification, but they have not answered me, they have not helped me at all, I would like them to help me with a modification to be able to stay in my property, which I need so much at the moment.

I expect your Agency to notify this entity so that they can help me with the aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Back in XXXX, in the midst of the recession, both myself and my wife lost our jobs. We had a mortgage for the property at XXXX XXXX XXXX, XXXX, CA, XXXX, with XXXX XXXX ; after hearing about numerous programs to help with situations like ours, we contacted XXXX XXXX to get assistance with payments and try to get a loan modification. At the time, we had managed to stay up on our payments, but we wanted to be proactive because we were days ways from not being able to make our mortgage payments. 

Long story short, after being placed on a temporary new payment plan, at least three denials for modification, then finally, the modification went through in about XXXX. Since it had been years without making full mortgage payments, we were neglected to be told that we would need to back pay everything underpaid. This amounted to a large sum that was rolled back into the loan as part of the modification making our payment when it was all said and done HIGHER than it originally was. 

The mismanagement of our multi-year modification nightmare with next to no communication led to us finally getting foreclosed on in early XXXX since our income never recovered to what it was pre-recession, and our payment ended up being higher than before the modification. We experienced financial hardship, destroyed credit, and emotional distress through the entire, almost 5-year fiasco and since.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. 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 2022-12-24
Company: EQUIFAX, INC.
State: IL
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 my final attempt to resolve the incomplete and unverifiable accounts on my consumer report before I pursue LITIGATION for DEFAMATION OF CHARACTER. My consumer report is an extension of my character and credit worthiness. Over the past several months I have sent numerous letters to EQUIFAX, XXXX, and XXXX regarding these inaccuracies. These corporations have not been in compliance with the laws of the FCRA. These corporations have not explained what procedures were used to confirm the validity of the accounts that I have previously disputed. I even submitted my FTC report, my identification card ( Drivers License ), personal statement, and I identified the accounts that were inaccurate to block the information resulting in identify theft. Which are the requirements of 15 USC 1681c-2. However, these corporations insisted I did not send in the proper documentation, which is false and misleading. These corporations are not complying with federal law. It appears that these corporations believe that their policies supersedes federal law. I'm demanding that every NEGATIVE ACCOUNT AND ALL INQURIES over 30 days are removed immediately. This not a request. These corporations are causing me harm from reporting false and inaccurate information on my consumer report. The next step will be litigation or damages sustain for DEFAMTION OF CHARACTER. I will not be attaching anymore documentation. I will save my documents for court if the deletions are not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: OneMain Finance Corporation
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a one main financial account. I have made payments on regular basis and most of the time it is over the amount due. In XXXX of XXXX  I made multiple payments. I made a payment in the amount of {$300.00} on Friday XX/XX/2022 and it was processed/deducted from my account on Monday XX/XX/2022. I logged in again to make another payment in the beginning of XXXX and saw that it said a payment was reversed in the amount of {$300.00}. I called the local branch multiple times before anyone called me back. After 3 days I finally told them nobody is calling me back and I want to talk to someone that day. XXXX from the branch called me and let me know that the payment was returned on XX/XX/2022. I told her no, it did not get returned, I have proof from my bank it had cleared. I sent documentation of the transaction showing it had cleared my account on XX/XX/2022. I got no help from XXXX so I went to the corporate level. I was told BY corporate that because it is a debit card it would have been returned same day. That is a lot different story than the one that XXXX provided. This account is an interest bearing account and I get charged per day on the balance that is in there. It has been over 45 days and this has still not been resolved. I have attached on multiple occasions many documents showing that it has cleared my account and they are refusing to credit my account that money. I had reached out to an attorney recommended by the Oregon State Bar. This attorney told me to send them a letter and demand it be corrected under the Federal Fair Debt Collections Act. I need help getting this payment credited to my account as I have all the documentation showing it was processed and NEVER returned to my account. I have filed a complaint with the XXXX  as well. Please help as this is affecting my credit as well as the balance that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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: 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 which is a violation of the FCRA and FDCPA and you 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. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: WA
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 fair credit reporting act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 section 2. It also states that consumer reporting agencies 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 explanation
Consumer complaint received 2021-10-05
Company: Westlake Services, LLC
State: NJ
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:
Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that XXXX accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I know they have XXXX  days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the XXXX  letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2023-12-10
Company: SYNCHRONY FINANCIAL
State: LA
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 Credit Reporting act XXXX Account # 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 an account without my written instructions

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 2023-11-13
Company: Experian Information Solutions 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:
On XX/XX/XXXX I was checking my credit reports to make sure things are accurate. I noticed all the hard inquiries are unauthorized and I didn't apply for any. I sent a letter to all credit agencies and it hasn't been deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I XXXX do not owe XXXX any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2020-07-12
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent some money to XXXX XXXX back in XXXX in three transactions for some products I never got, after trying to work with this seller to get these products the seller blocks me. I then dispute the charges with Paypal who says the charges are legit and that nothing needs to be done. Paypal has also on many occasions allowed people to hack my account and do harm to me, and to my friends.

Company response to consumer: Closed with explanation