BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Nelnet, Inc.
State: CO
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:
In XXXX Nelnet reported XXXX of my student loan accounts as being 90 days late. I knew that my student loans should have been in COVID forbearance that was federally mandated, so I called Nelnet to find out what the issue was. I was informed that all XXXX loans had been sold to a private financial institution without my knowledge or consent, so they did not qualify for forbearance. However, upon speaking with the agents ( I called twice, and recorded both calls which I can produce if needed ), I was told that this was an error on their part and my loans were placed into the COVID forbearance. I was also told that the late payments ( which dropped my score over XXXX points ) would be removed, but they never were. 

In XXXX, XXXX I consolidated all of my loans and moved from Nelnet back to Great Lakes. I didn't check my credit report again until the beginning of this year ( XXXX ). Upon checking, I found that all XXXX accounts were reporting as 90 days late for XXXX, XXXX. I disputed their reporting at all XXXX  CRAs and they then moved the late payments to XXXX, XXXX. I disputed again a month later, and the late payments were moved to XXXX again. Upon the third dispute the late payments were moved yet again. However, they were reporting that I was on time the month prior to the late payments ( instead of being reported XXXX, XXXX, then XXXX  days late ), which is inaccurate reporting. 

I have also filed a complaint with the Department of Education and Nelnet has once again denied that they are reporting inaccurately, stating that those loans weren't part of the COVID forbearance - yet once I found the error in XXXX, those loans were put into the COVID forbearance immediately. Furthermore, how can federally backed student loans turn into private loans without consent or notification? These loans were not taken out as private loans, and so should have qualified for the COVID forbearance. I am confused about how this was permitted to happen, and am certain that my rights were violated. Finally, their reporting that I was on time XXXX month, and then 90 days late the very next month, which is an impossibility. 

Clearly, Nelnet has XXXX intention on reporting these accounts accurately and has made a game of moving around the late payments with each dispute. I am at the end of my patience with Nelnet and will likely proceed with litigation if the CFPB is unable to resolve this by having those XXXX accounts deleted from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I got email from XXXX  that attempt to create account, and account is created on XX/XX/XXXX without my authorization. I immediately called the bank and close but they don't have good way to prevent the fraud in the future. Another XXXX attempts were noticed since then.

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 2023-06-21
Company: Greenberg, Grant & Richards Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am writing to you regarding your debt collection practices towards me. I have become aware that you are an unlicensed debt collector in the state of Maryland, and this is a violation of the law. As a consumer, I have the right to be protected from unlicensed and illegal debt collection practices. 

Furthermore, I have previously sent you a cease and desist letter, and yet you have continued to contact me. This is a violation of federal law, as well as the laws of the state of Maryland. I demand that you cease all communication with me immediately, as I have the right to request that you do so. 

Your attempts to collect a debt from me have also been harassing and threatening in nature. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in such behavior. Your repeated phone calls and letters, threatening to take me to court, are causing me XXXX XXXX and XXXX 

I demand that you stop all forms of harassment towards me and that you cease all communication with me immediately. Failure to do so will result in legal action against your company. 

In conclusion, I would like to inform you that your debt collection practices are illegal and unacceptable. I demand that you immediately cease all communication with me and stop any further attempts to collect a debt from me. I will not hesitate to take legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 sent XXXX and Capital One a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, XXXX and Capital One are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't receive any notification about the debt- I did get a number of phone calls from random phone numbers with no voicemails. I had no idea that I owed any money. When I found out, I paid the debt off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2023 To whom it may concern : CCS Collections/Progressive Insurance ( account # XXXX ) is still reporting this item on all three Credit Reporting Bureaus ( XXXX XXXX XXXX and XXXX ) as a collection against me when in fact, CCS Collections is NOT who I paid when I closed my account from Progressive Insurance and went back to XXXX! ! I was not informed of this debt nor when it was assigned. CCS Collections had NEVER sent me a notice to pay BEFORE it was placed on my personal credit report file ( Please notice the dates of delinquency, my last payment date of {$100.00}, status date, and the assigned dates!!! All discrepancies and should not listed on my credit profile at all!!! 

I PAID MY FINAL BILL DIRECTLY TO PROGRESSIVE INSURANCE COMPANY, ( NOT THIS CCS COLLECTIONS ) SOON AFTER I LEFT THEM AND WENT BACK TO XXXX!!! 

* XXXX agent informed me today, any collection companies are supposed to send the consumer a letter and notice to give us a chance to pay the collections, and are NOT supposed to be reported until a year of 12 months goes by BEFORE that collection agencys item is placed on our personal credit reports! 

Progressive Insurance was to REMOVE that account from their records. And off my credit profile!!! This is NOT a collectible debt its a " credit discrepancy '' that CCS Collections added to my credit file without my knowledge and is supposed to DELETE AND REMOVE THE ENTIRE COLLECTION ITEM OFF OF MY CREDIT REPORT!! I I addressing this matter to their CCS Collections office located at XXXX XXXX XXXX, XXXX, MA XXXX XXXXXXXX today on XX/XX/2023 to send correspondence that was supposed to be forwarded to all the credit reporting agencies to be DELETED, TAKEN OFF AND REMOVED ENTIRELY off my credit report! 

Its still showing active as of today, XX/XX/2023 ... This should have never been reported to their company in the first place and I want it to be removed IMMEDIATELY!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I called the customer call center to cancel my business account and paid the total amount they confirmed. 

Today XX/XX/XXXX I checked the account, and it appears an amount of {$26.00} as an interest charge on purchases, XXXX month after, having explained to the bank agent I would not like an additional interest beyond scheduled amounts to be assessed, to prevent this situation, due to the illegality of the charge. 

Having already been in this situation in my personal bank account I request the authority to review this illegal charge and answer my request cancelling the {$26.00} amount.

I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
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:
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 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-06-22
Company: Paypal Holdings, Inc
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
there was an automatic renewal from XXXX XXXX XX/XX/2023 to Paypal. Paypal denied the charge on XX/XX/XXXX. I cancelled the renewal on XX/XX/XXXX and XXXX XXXX issued a refund in said amount for XXXX. Paypal subsequently stole XXXX from my XXXX XXXX bank account on XX/XX/XXXX without authorization and refuses to acknowledge the theft after disputing the claim directly with paypal. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Tuesday XX/XX/XXXX I received a message saying there had been a suspicious transaction in the amount of XXXX. I did not make that purchase, so I logged in to see if there was anything else I did not notice. I saw multiple charges from other countries that I did not make. I told PayPal this, they investigated for about 6 hours and then told me they were valid. I am out almost XXXX XXXX dollars on fraudulent charges and they have a fiduciary responsibility to reimburse me. I will attach the charges and case number via document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Opportunity Financial, LLC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio recovery associates is sueing me for money damages. XXXX, XXXX XXXX On XXXX. They are a collections company taking me to court in XXXX XXXX Tx. XXXX XXXX is the law firm that will attempt to serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Continental Services Group, Inc. d/b/a ConServe
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: Account information incorrect

Complaint:
XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, 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:
I reviewed my XXXX credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company

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 2023-06-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. I am reaching out to you to resolve this matter as quickly as possible. As a new user on your platform, I assure you that I have not engaged in any activities that would violate PayPal 's terms and policies. 

I understand and appreciate PayPal 's commitment to maintaining a secure environment for its users, and I fully support your efforts in that regard. However, I believe that my account may have been mistakenly flagged or subjected to an error during the assessment process. 

I kindly request you to thoroughly review my account and provide me with specific details regarding the reasons for the blockage and limitation. I would like to rectify any misunderstandings or issues promptly. I am committed to adhering to PayPal 's rules and regulations and would appreciate the opportunity to continue using your services. 

Please note that the email address associated with my blocked account is XXXX. I kindly ask you to communicate any updates or instructions regarding my appeal through this email address. 

I am more than willing to provide any necessary information or documents to verify my identity and validate the legitimacy of my account. I understand that security is of utmost importance, and I am prepared to cooperate fully to ensure the resolution of this situation. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing and resolving the blockage and limitation on my account. If there is any additional information you require or if I can be of further assistance, please do not hesitate to contact me. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT ANYON TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, THANK YOU!

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 2023-06-26
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debit was a fraud and was taken off due to it back in XXXX as this does not even match my name. This debit is also aged out, showing from XXXX, and violates the fair credit act of fraud and aged debt. They are also texting me, which I have never agreed to. Please remove all postings and cease contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Bessine Walterbach, LLP
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a victim of identity thief. 
My identity was used in XX/XX/XXXX for a XXXX  loan with XXXX XXXX, XXXX XXXX XXXX check cashing. 
I have submitted a claim through the federal trade commission at identitytheft.gov. 
I also contacted the attorney who I disputed the case with because I was improperly served court papers. I did not receive any documents about the court case or I would have shown up and plead my case because this is not my debt. 
Due to improper servicing I am now being garnished for a debt that I am a victim of identity theft on. 
The attorney Bessine Walterbach XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX ) Has been sent documents by me by certified mail on XX/XX/XXXX. 
As of now, Bessine Walterbach , LLP is in violation of consumer law codes that they were provided with the certified letter that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation