BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem. 

A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine. 

Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy. 

I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process. 

I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I was the victim of a so-called " Gift Card '' scam from people pretending to be with XXXX Technical Support. As part of the process of the scam, they got me to charge at total of {$10000.00} on three credit cards : {$3000.00} to XXXX XXXX Visa, {$4000.00} to Shop Your Way ( Citi ) MasterCard, and {$3000.00} to Best Buy ( Citi ) Visa to purchase XXXX and Best Buy Gift Cards and give them the numbers. I have contacted the card holders. Only XXXX XXXX has been responsive. They have temporarily put {$3000.00} back into my account, although it is on hold pending their investigation. Citi has said they are not responsible for refunding my money because it resulted from a scam, not a lost card or fraudulent use of my card. I am hoping you can help me get my money back from Citi. I realize now how stupid I was to fall for this, but I am now on the hook for at least {$7000.00}. Please see the attached report I filed with the Federal Trade Commission for more details on this scam.

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am a single mother and have been constantly harassed by this land lord of XXXX XXXX apartments ( XXXX XXXX ). 

He has harassed me with pay or eviction warning notices on my door mostly monthly even though I paid my rent on time monthly. He has sent me a thirty day notice to quit without cause on XXXX XX/XX/2019 taped to my door two months before my lease ends. Telling me to vacate the premises within thirty days. When I asked him why is he forcing me and children to leave our home and why is he breaking my lease he responded, " I don't owe you an explanation its no cause. I packed up my things and moved as he asked and was moved out of the apartment on XX/XX/2019. I turned in the keys to the apartment and went my way, there were no damages and the place was fine. XXXX comes and I find out they served me and eviction for not paying XXXX rent. 

I was no longer living in the unit they had kick me out. I went to court gave the judge my proof and they closed out the eviction and dismissed the case. The land lord is still harassing me year later with letters and emails saying I owe him money for breaking my lease. He put it on my credit report Fair & Out Collections XXXX XXXX. I don't Owe him anything even the court told me they close it out I don't owe. He doing this on purpose because he is XXXX don't like me and he knows the Nevada doesn't give you a place in your name if you owe any property. 

I really want this removed from my report and for the harassing emails and letters to stop.

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 2023-06-29
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a sale on the platform XXXX on XXXX with the proceeds sent by PayPal. PayPal immediately put these funds on hold, offering to release them a day after delivery if I uploaded the tracking info. I immediately provided this info but the funds werent released the day after delivery on XX/XX/XXXX. I was then provided a release date of XX/XX/XXXX which is today but the funds are still on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$17000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : $ XXXX This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.

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 2019-08-27
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Rocket mortgage a subsidiary of quicken loans called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Attempted to send money using Moneygram.. They accepted the transfer and placed transaction a debit of {$1500.00} against my bank account. Received email stating transaction complete. 2 hours later received email stating that my account was fraud and banned me from using their service. 

The transaction was legitimate and an attempt to help my family in XXXX. They are now holding my money for up to 30 days with no explanation. It is unclear if they have or will complete the transaction. I have attempted to contact them but they will not return money, the fee or explain why they deemed me a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Two items were placed in dispute from a " XXXX XXXX '' on or around XX/XX/31, amounts of XXXX and XXXX, a total of XXXX. These items are for items not received, the seller is a scammer as I explained to several Paypal reps, one of whom took the claim over the phone. The last rep I spoke with stated the seller provided info showing the items were delivered, which they were not. I have not received anything from this seller and the person communicates only through XXXX messenger, as most scammers do.I have not seen any proof of delivery, there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This 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
Consumer complaint received 2019-08-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent Auto Loan Company or Organization : Navy Federal Credit Union Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$30000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax 's negligent, fraudulent mismanagement of client security data is beyond reproach. Their lack of security exposed tens of millions of consumers to identity theft and financial ruin. I was among those who had their data compromised and I demand an immediate inquiry into the company and suitable repercussions for the crimes they have committed by losing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2018 I was sent a response to a recent complaint that I had. The response included the confirmation of the denial of a credit card on a false and unclear basis. 

The stipulations to recieve their XXXX  credit card are stated in their terms and conditions. Though it is pertinent to note that you can also recieve one after you fill out the application and meet their stipulations.

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 2021-04-02
Company: EQUIFAX, 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 am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
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 obtained my credit report on line. There is a XXXX XXXXXXXX XXXX XXXX XXXXXXXX item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both informed emphatically that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Namely, for any public record to be included on a credit report, it has to satisfy the following criteria : The public record has to contain, at minimum, the consumer 's name, address, plus a Social Security number or date of birth. Those requirements are not included on the report thus this item must be removed immediately.

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 2021-04-02
Company: Thrift Investment Corp.
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: Account status incorrect

Complaint:
I've disputed already and information was updated but they have no records from XXXX then put a Charge off at the end of XXXX ... .. this is impacting my credit score. This account was paid in full ... .. I need the charge off to be corrected. My account was in great standing as long as I had the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX. I received an email from JP MORGAN CHASE stating that I had insufficient funds in my savings account. I checked my account on the app and saw over {$6500.00} was stolen from my acct. I contacted Chase to make a complaint and went to a branch the next morning to file a claim and sign paper work. I waited 3 weeks for an update, did not receive one. I was also supposed to receive a credit for the money in question ( 2 reps told me this ) and I did not. I called Chase today and they denied my claim of fraud over {$1.00} that was not disputed ( missed by the banker at the branch I went to ). No one notified me and no communication was sent. I had to file another claim for {$1.00} and I now have to wait again for Chase to investigate. Customer service was poor and this issue was not treated with urgency. Out of the years I have banked with Chase I have never made payments out of my savings account. I was not notified of this fraud and Chase did not take the proper measures to protect my money I earned and worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CITIBANK, N.A.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
InXX/XX/XXXX and XX/XX/XXXX I took out two loans through Citi Bank as a student studying education. They were variable rate and the percentages were high ( one was 11.125 % ). The loans were given that to me as someone with an outstanding ~ {$30000.00} in pre-existing student loan debt, and no income. I had a creditworthy cosigner, but she, too, already shared that amount of debt with me and even more with my sister who borrowed for her loans in XX/XX/XXXX andXX/XX/XXXX. There was no reasonable way to prove that I would ever be able to afford such payments. The lending of that money was irresponsible at best, but criminal at worst. To avoid the ramifications of their sketchy student loan lending, Citi sold all of my loans to XXXX They will no longer take responsibility for the situation they allowed me to fall into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is in reference to my previous complaint # XXXX, which was closed without my saying it was resolved. My student loan servicer claims to have reallocated my payment as described in my complaint, but they have not. Only {$22.00} have been applied to loan E, when I requested that the remainder of my payment after paying off loan A, which comes out to {$530.00}, be applied to loan E. {$510.00} was applied to loan F which I never asked for. This situation is still unresolved and Nelnet is still not listening to instructions for allocations when I submit my payment. They are at this point purposefully obfuscating the problem, even though I specifically allocated funds to loans A and E when I submitted the payment. My special standing instructions are for my auto debit, and this is a separate payment that I made on XXXX2018. I have attached a screenshot of this in my payment history.

Company response to consumer: Closed with explanation