BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX has sent me around XX/XX/2022, to what I believe is a false judgment against me. I was never served. The letter I got in the mail was not from an actual court. In it had collection relief companies to try and fix it. Since then, I have had random phone calls and random letters from debt collection attorneys " trying to help. '' I responded to the alleged judgement and never heard anything back. Then today, I officially got served. It is my understanding that a fake judgement is coercion by using fear and illegal to try and make me pay a debt to avoid court and other legal issues for the future. So, they falsely gave me a judgement that they did not file yet. So, it was a fake judgement to avoid the real judgement. The file I sent was the only thing I received in the mail prior to the actual legal judgment. The actual judgment was served to me XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage, XXXX, and Mr. Cooper have fraudently claimed that I have missed payments and falsely reported such to XXXX and XXXX starting XX/XX/XXXX. I received a XXXX XXXX mitigation in XX/XX/XXXX which Nationstar never processed correctly and fraudently claimed multiple times that Nationstar Mr Cooper were completing in XXXX and XXXX and XX/XX/XXXX. I completed a loan modification XX/XX/XXXX ( after making full payments for a 3 month trial ending XX/XX/XXXX ) with XXXX Nationstar Mortgage Loan XXXX which was completed, signed and certified, and states the outstanding balance due to XXXX XXXX  mitigation would be added to the loan principle. XXXX even sent me a check stating they had overcharged me on the closing of the modification XXXX. I have submitted monthly payments of XXXX to Mr. COOPER every month since XXXX. MR. Cooper has fraudently refused to apply my payments made by direct check sent from XXXX XXXX since XXXX. Mr Cooper also claims i have made no payments for XXXX  days, which is blatently false and an act of fraud against XXXX XXXX XXXX XXXX XXXX, have notified tagents at Mr Cooper several times, as above, since XXXX and they refuse to correct the situation. I spoke to XXXX at Mr Cooper today who stated the property is 'in foreclosure ' for nonpayment even though payments were made. She claimed to be 'escalating'the review of payments. Payments were sent and are missing from my mortgage payments on XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Mr Cooper has violated the law in making false reports to XXXX and XXXX, are defrauding me by refusing to apply payments sent per contractual agreement dated XXXX, and has discriminated against me by failing to implement my XXXX hardship mitigation which was rightly and correctly submitted by me. Mr Cooper has also apparently misplaced multiplr payments sent to them which they are required by law to document and further credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Freedom Mortgage Company
State: MO
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:
In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, Freedom Mortgage, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called Freedom Mortgage on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX sent a certified debt verification letter to : Capital Accounts XXXX XXXX XXXX XXXX TN It was received XXXX. 

They removed this collection when the debt verification letter was received y them but after the 30 days was up they placed it back in collection. It is XXXX and I still have not received any response from them requesting verification. They are continuing to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ts seem after several attempts Experian has failed to validated multiple accounts I have asked experian provide me with a signed contract or delete these accounts and they have failed to do so

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 2023-11-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank Credit Card decreased all credit cards limit to all three credit cards. 

I have been paying off my credit cards and had 0 issues on missed payments. 

Chase decided to lower all of my limits to my cards which causes hardship and burden against my utilization ect. 

Requesting to revert my limits back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased appliance on a 120 days finance cash offer form XXXX XXXX in XXXX XXXX and American First Financial ( AFF ) finance the purchased ( {$1400.00} ). Made payment of {$140.00} every 2 weeks. No problem no issues. However, after the 120 days were up, I'm waiting to get a notice with the final payoff balance, nothing but they continue to take the payments out ; so finally, after several additional payments came out ( {$1600.00} total ) I called AFF and inquired about the payoff balance and was told at that time the payoff balance was ( {$1400.00} ). So, I asked why, and I was told I miss the payoff date and therefore a maintenance fee was assessed. The cost of the appliance double. When I stated this to the rep on the phone, she said she can give me a discount and I can pay off the balance for ( {$890.00} ). I am cool if there is an interest that I have to pay for financing the appliances ( washer/dryer ) but for the interest to be assessed at 85 % -100 % is very predatory practices on the part of the lender. I tried to negotiate a reasonable payoff balance since I have already paid over {$1600.00} for the appliance that were supposed to cost under {$1500.00} but the rep said there was nothing she could do, and that no supervisor was available for further resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
I have been paying down my loan for years and have always been able to direct over payments towards the unsubsidized loan bucket. We are still in forbearance, and yet they notified me on my last payment I am unable to direct the full amount towards the unsubsidized portion of the loan. This is incorrect handling of my payment. The reason I am turning here is that it is concerning to me that they have made this change over a month out of forbearance ending. There have been five payments made this year all directed appropriately to the unsubsidized portion of the loan. This payment would not cause due dates to become out of sync because student loan repayment has not yet begun. 

I have attached the document sent to me by the loan servicer which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
someone used my information to open up a bank account in set up a direct deposit using my social security I'm unaware of the bank account I only see the last 4 digits in not the entire account number.

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 2023-10-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 Date XXXX Balance {$89.00} StatusCollection account. {$89.00} past due as of XX/XX/XXXX. 
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$89.00} StatusCollection account. {$89.00} past due as of XX/XX/XXXX. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX XXXXT Account Number : XXXX Account Number : XXXX Account Name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no co
nsumer reporting agency may 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 non-monetary relief
Consumer complaint received 2022-06-07
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 XXXX - Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 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

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 2022-06-27
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened my account with Binance US and transferred {$4500.00} there. The same day my Binance account was locked. I saw money left my XXXX bank but I dont have ability to access my Binance US account any longer. I submitted the request to unlock it. I was told I need to provide information like my driving license, and indeed some questions. I did that on XX/XX/22. I receive the response that these got my information and they will get back to me in XXXX business days. Today is XX/XX/22 and I still dont have access to my funds. They dont have a phone number to talk to someone in person, I emailed them numerous times after that and all I receive it -we are looking into that. I feel like my rights as customer are violated. I dont have access to my funds and it beyond all limits and timeframes for Regulation CC-Funds availability act. Im out of {$4500.00} and I dont know what to do. No one is helping me and its the first time its happened to me. Please help me to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a XXXX in XXXX for a XXXX XXXX. I had 2 bills that were issued after insurance company had paid and I had paid what I was told was my portioon. I went round and round with the two differect collection companies until I could find out what the bills were for. Once I did, I paid the bills. 

Now, on XX/XX/XXXX I received a call from " Quantum Collections '' saying that I owed {$3000.00} for a mdical bill from the Hospital. I said that I did not owe any more money, I ask what the bill was for and was told again that it was for services from the hospital. So I asked what procedure it was for, at which time the caller got rude and told me that I would be sued if I didn't pay. I blocked the caller, because after my erlier experience, I know I don't owe XXXX more money. Now, I often calls for which my call blocker notifies me. Today I received 3 calls and I am tired of them and think its time that they are exposed for the scammers they are. FYI, They also call from XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation