BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
We declared bankruptcy in 1994 and had to pay my student loans all this time as they were not dismissed. I was put on the XXXX XXXX for about 4 years and now Nivent has taken me off. I was able for 16 years to postpone my loans because I did not work after I retired. I retired at XXXX and paid my loans every month I ever worked. I am now XXXX years of age and I have a cane and I have a walker and I am very XXXX as my XXXX has gone to pot and I really am unable to work but it doesnt make any difference with this company they will not let me off the hook and they took me off the XXXX XXXX and I asked them many times to keep me on it as my husband died two years ago And he had a small pension plan which I got because he had worked all his life and that month I made more than normal. 
I have no taxable income and they still will not leave me alone. It is time for those of us that have paid all our lives when we work not to pay these student loans anymore I am needing help because nobody is helping me at this point and I live alone, and I do not have the money to pay the student loans. All my student loans are interest at this point. I really had paid them off before I retired but then they started the interest with the little bit that was the left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was stolen from XXXX at XXXX XXXX XXXX XXXX, Kansas XXXX MO XXXX between XXXX while I was having dinner with my XXXX XXXX XXXX son. 

I reported my wallet stolen the next day to XXXX, thats when I realized my wallet was gone because I went straight home after XXXX and had no more use to look for my wallet. Police report case number is XXXX. 

Called every merchant and credit card to close accounts and issue new card. Inclusing Chase. The perpetrators tried to use all the cards in my wallet. They successfully used my XXXX card at XXXX XXXX and I was not liable for that charge. They somehow were able to use my Chase debit card at XXXX 's for {$640.00}. They did not have the pin, it was not written on the card or on a piece of paper in the wallet. I spoke with XXXX 's and the said they needed to be contacted by the police in order to do anything. The XXXX 's location is XXXX XXXX XXXX XXXX, XXXX MO XXXX ( XXXX ) XXXX. I was contacted a few days later by XXXX, Kansas police saying they found a few of my items in a stolen car. They further investigated, found the perpetrators and have video footage of them stealing my wallet from XXXX and using the card at XXXX. I was in contact with XXXX XXXX ( XXXX ) XXXX case number XXXX for auto theft. 

Chase credited me back the {$640.00} on XX/XX/XXXX. Then on XX/XX/XXXX Chase reversed the charge and I am out almost {$700.00}. I faxed Chase fraud department with the police information and everything that happened. They said there is nothing they can do since there was no bad pin tries. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please See Attached I am writing on this letter myself please do not send me a in still asking for proof that you are speaking to the correct person. I am writing this letter and any attempt of writing another stall letter will be added to my potential complaint with my lawyer.

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 2023-02-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Settlement agreement established with a lawyer debt service in the form of a payment plan. Documents sent as per their ( Bank of America 's ) instructions, through normal legal proceedings and accepted. Months later they are proceeding to harass me and my lawyer, and threatening a judgement, despite that the payment agreement was signed, accepted, and they are receiving the payments on time through the legal counsel. Now they are demanding that the original documents be sent to them immediately. They did not provide this in the initial instructions, they are not cooperating with me or my legal team. Original documents are not required in normal legal proceedings, especially those done now over the internet with things like docusign, etc. Why is this just now an issue months later? I requested a postage paid self addressed envelope from the lawyers Bank of America hired ( XXXX XXXX XXXXXXXX ), they responded " if you do not send it in then we will just seek a judgement ''. This would be an illegal action, and breach of contract/agreement signed, as they already accepted the copy and are receiving payments. I would like to resolve this and stop this harassment. This whole process has been going on for about 9 months, and it has been very unpleasant and I have felt harassed this whole time. I have a legal team handling my debt, and they have not been able to work with the other lawyers with Bank of America in a friendly manner. They acknowledged that I was in a debt plan, but refused to work with my laywers, forcing me into a agreement, that is not a settlement, with the only other option being a judgement, which was what the debt program was supposed to help avoid, as I am trying to fix this, but getting resistance, bullying, and harassment.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 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 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 or 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 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 2023-03-08
Company: Porsche Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lamborghini financial services XX/XX/XXXX {$88000.00} charge off! 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Possible Financial Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Possible Finance only allows you to make payments with linkable bank accounts through a company called XXXX. My bank is XXXXXXXX XXXX  through XXXX XXXX and, for reasons I dont know, isnt linkable, so Im unable to make payments. Thinking there must be another way to pay, I reviewed Possibles payment procedures and it confirmed that this is in fact the only way to payand their noted solution is to try again from a linkable bank account at a later date. This is caused me to be unable to make payments and two 30-day lates on my previously perfect pay-history credit report. Ive opened a dispute with the three credit bureaus but nothing has changed to-date. If Possible Finance is going to report adverse pay history to credit bureaus, they need to give consumers the ability to pay with any bank account they choose, accept debit cards without having to link a bank to the card or allow in-person payments at XXXX. I would like help from the CFPB in removing the adverse credit reporting and requiring that the lender accept enough money to pay off the loan ( {$200.00} ) from a non-linkable bank account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XX/XX/2022, XXXX XXXX XXXXXXXX XX/XX/

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 2023-02-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX  EST To : Synchrony Bank XXXX Cc : XXXX Subject : Re : XXXX, Take action on your PayPal Credit account I do not have an account with Synchrony. I am reporting Synchrony Bank to the CFPB. I can be reached at the number below. 

XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX XXXX, Synchrony Bank XXXX wrote : Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 
Hi XXXX, Your PayPal Credit account is past due. Reminder, XXXX reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Your minimum payment due includes the past due amount of {$29.00}. 
Current Balance Minimum Payment Due Due Date {$110.00} {$69.00} XX/XX/2023 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us Weekdays XXXX XXXX.- XXXX  Weekends XXXX XXXX.- XXXX XXXX.XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

2023 Synchrony Bank

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 2023-03-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
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:
Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong!

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy

and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.

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 2023-03-09
Company: P&B Capital Group, LLC
State: TN
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 notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : P & B CAPITAL GROUP LLC Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or ussentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage LLC d/b/a Mr. Cooper ( henceforth, XXXX Mr. Cooper '' ) forces you to be their good graces and does not allow payment prior to the due date when setting up an auto payment for your mortgage. 

Their website does not allow for payment prior to the due date, and their auto-payment policy says " The date that you choose must be within your grace period or your request to set up AutoPay will be denied. '' I do not want to be in their " grace period '', I want to be able to pay my bills before the due date as I would be concerned about the paper trail created. What if there is a dispute at some point between a payee and Mr. Cooper and they could say something that the payee " never once paid before the due date ''. 

This semantic thing going on with due dates, grace periods, and " The date that you choose must be within your grace period '' seems like an effort by Mr. Cooper to have leverage over there clients. 

What is the reason for preventing payment before the due date? Why would any company prevent payment before the due date? Money now is worth more than money later. Can anyone contrive a reason for this policy that is not an attempt to have one over on the consumer?

Attached is Mr. Cooper 's auto-payment agreement, and a bi-weekly ACH application.

I also have two letters they sent to me in response to my questions ( Letter 1 and Letter 2 ) that I will quote from, but am not including the attachments for anonymity 's sake.

Notably : - Letter 1 mistakenly says that you can setup " any date '' for automatic payments. This is wrong.

- Letter 2 suggests a work around to bypass some of the controls on the website that involves paying using a one-time payment before the month it is due and the immediately setting up a auto-payment that would pay a month before the due date. This work around fails on two fronts. 1. It is against the auto-payment policy. 2. It forces you to pay the XXXX through the XXXX of the month before the due date and not the XXXX through the end of the month. 
- The Biweekly ACH payment once again has the same issues. You can pay the early, but only if you agree to be making half the payment in the first half of the preceding month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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, 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 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 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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