BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: VA
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 has reported I owe them money in the amount of $ XXXXI do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: IN
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:
Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now 2 1/2 years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXXXXXX2 1/2 yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Elevate Recoveries, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To whom may concern, I'm writing to dispute the following information ELEVATE RECOVERIES LLC reported a New Account to your XXXX credit file. Source : XXXX XXXX XXXX : ELEVATE RECOVERIES LLC Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Business Type : YC Balance : {$1300.00} supplied BY XXXX XXXX currently reported. I do not owe this bill. XXXX XXXX denied access to my personal information from me. XXXX XXXX will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the consumer and Natural person/original creditor was denied the extension of my credit after I gave them my social security number and I received no benefits, this is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ), I the consumer made a application ( in good faith ) but credit was not issued which is in violation of 15 USC 1642,15USC 1681 ( m ) and 12 CFR 1002,1002.7 they are subject to Criminally Liability for violating 15 USC 1691 as I have proof that I was Discriminated against by the response I received. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691and is pursuant to Civil Liability under 15 USC 1692 ( k ), Also violation of 15 USC 1611 which is Public Knowledge for willfully and knowingly, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued here under. they are criminally and civilly liable for actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.

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 2023-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery, has constantly denied my disputes and threatened to sue me on many occasions when the debt was settled with the other party. This debt is showing on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was the co-signer to a private student loan that my sister took. My sister is still enrolled in school yet FirstMark Services started charging her for payments. The main issue is that my sister- nor I as the co-signer- received no communication that payments were about to resume. I only found out about this because I had a credit card company reducing my available credit limit and I inquired about it. 
My sister has sent them an enrollment verification form but they are still unwilling to resolve this. 
All customer service agents are EXTREMELY RUDE and MEAN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Paypal Holdings, Inc
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my Paypal account ( XXXX ) shows there is one transaction charge : {$79.00} I dont recongize. I went ahead and disputed this charge. The dispute was denied right away by Paypal using the reason that this is a recurring charge since last year so it is not an unauthorized charge. I initially reported this charge as unauthorized because it occurred without my knowledge or consent. I contacted Paypal and mentioned that I just realized that I have been charged this amount two consective years since XX/XX/XXXX and argued that unauthorized charged means an non-consented charge even it was charged twice, it doesnt necessarily mean it is authorized. I later learned that Paypal categorized it as an " Item Not Received '' dispute, and subsequently ruled in favor of the merchant, XXXX XXXX, without providing any specific evidence or rationale for the decision, but just said Paypal has reviewed the info provided by the seller. I am deeply concerned about the fairness and transparency of this decision. The charge in question was presented to me as a recurring charge that I had no record of authorizing. In my initial dispute, I provided a clear explanation of why I believed the charge was unauthorized, and I expected a fair assessment of the evidence. Instead, the reasons for my dispute were altered without my consent, and the case was decided against me without any transparent explanation. 

I am particularly troubled by the fact that when I inquired about the nature of the services provided by XXXX XXXX for which I was charged, I was informed by PayPal that I should contact XXXX XXXX directly to find out, as PayPal does not have this information. This response was both unhelpful and unacceptable. It is reasonable to expect that PayPal, as the mediator in this dispute, would provide me with sufficient information to understand the basis for the decision. When I provided my Paypal email and charged credit card info on the merchant XXXX XXXX website, it came back with no order related with info provided ( please see attached screen shot ). 

The fairness and integrity of the dispute resolution process are paramount. I would like CFPB help to re-evaluate my case in light of the concerns I have raised and the absence of clear evidence to support the charge. I hope that PayPal will prioritize transparency and fairness in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I invested XXXX dollars between XX/XX/XXXX and XX/XX/XXXX I started investing shortly after. Then my account went under review from what they told me should have taken 7-10 days took closer to 3 months. They froze my money because they could not confirm the legitimacy of my money after I sent them bank statements showing that the card was mine they deactivated my account. Not only can I not call them they took majority of the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I requested a balance transfer from my Citizens XXXX XXXX on XX/XX/2023. Citizens does not warn/advise WHEN the promotional rate will expire. It's not online on my credit card account nor is it listed in my monthly statement. The only way to determine the expiration date is to call customer service. 
While the balance transfer process likely disclosed the expiration date when I requested it, I failed to make note of it at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was scammed out of concert tickets on XXXX with Chase Bank and they told me I would be able to get my money back 100 % then after I tried to buy the tickets i was scammed and told chase and they said it was a 0.00001 % chance of getting my money back. I Checked on my case with them and they closed it and said there was nohing they could do. It was XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Balances is not correct on my account causing Overdraft and fees, declined payments.

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 2023-08-19
Company: Nelnet, Inc.
State: CA
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:
According to U.S. 15 Code 1681 ( b ) a2 this is my statement that this account has been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Nelnet : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Possible Financial 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. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Factor Trust
State: CA
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:
n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/XXXX. I have been seeking work befitting my qualifications and experience as a XXXX XXXX XXXX. I applied for Mortgage Forbearance through Truist Bank. I was granted XXXX for XXXX, XXXX and XXXX. I was current on my mortgage payments. I made the payment for the month of XX/XX/XXXX. I have missed XXXX and XX/XX/XXXX. 

Since I had yet to secure a job, I applied again for Forbearance in the middle of XX/XX/XXXX. My credit score was XXXX in the month of XX/XX/XXXX. It was my understanding from all sources of research, including the CFPB website, that if one was current as of the time Forbearance was granted, one could not be subsequently be declared Delinquent, as in fact, the mortgage should still be considered current. 

Imagine my surprise to learn that Truist had declared me Delinquent and crashed my credit score by XXXX points. I have notified Truist that they can not wreck a credit that I had been painstakingly building for years. They keep lying to me that they could report me as delinquent to Credit Reporting Agencies. This is just not right. This would lead to a perverse outcome where somebody who is struggling would find it even harder to get back on their feet, due to wrecked credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NOTICE OF LITIGATION - On XX/XX/XXXX, Nationstar failed to correct lines XXXX in their internal systems transaction history, to which claims Nationstar collected XXXX allocated {$11000.00} for 196 late fee payments at the contractual rate of {$56.00} per month for 16 months that Nationstar serviced XXXX XXXX. The counsel for Nationstar wrote the CFPB XX/XX/XXXX, falsely stating he had sent the internal payment history to me on numerous occasions ; however, this internal transaction history had only been disclosed once to me on XX/XX/XXXX along with XXXX other " reports '' that didn't disclose actual payment allocation in lines XXXX. Allegedly, the payment history was updated '' as claimed by this attorney XX/XX/XXXX. Subsequently, I sought error correction when I rediscovered this material and negatively reported an error in payment allocation still existed sent by this attorney on XX/XX/XXXX, and Nationstar has failed to correct the error negatively reported as XXXX current payments on an XX/XX/XXXX Verification of Mortgage and previously over 6 years in my credit files, along with failing to correct the amount held in suspense originally collected for unearned never performed services, still held in an open suspense account to this day causing XXXX XXXX to continue to own the loan 8 years after the mortgage was released. Please find the litigation occurring and supplemental evidence of these claims attached, to be heard in XXXX XXXX XXXX XXXX with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: OH
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 and Experian have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602

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 2023-06-09
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See attached court filings to be heard in XXXX XXXX. Nationstar refuses to remove unearned never performed service and unnoticed force placed insurance premiums from my loan 's payment history, and Nationstar is obstructing material evidence for a Court hearing XX/XX/2023 without justification except for the payment history is inaccurate currently and doesn't fit the counsel for Nationstar 's false narrative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Longhorn Asset Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company popped up on my credit report without any communication to me and I dont even know who they are no notice I havent received anything to my home which I have been here 15 years or more I tried to dispute it on my XXXX they said I have nothing in collections but the company is there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to get an invoice for the amount I owe XXXX XXXX. I have sent letters including pages and pages of documentation proving that I only owe payment for services from XXXX XXXX XXXX to XXXX XXXX XXXXThe Facts : ~My last payment was {$73.00} on XX/XX/2023. That brought my balance due to {$0.00}. 
~My next bill was not due to be paid until XX/XX/2023. 
~I completely lost all internet service on XX/XX/2023. I spent hours of troubleshooting over the phone. XXXX  could not resolve and could not send a technician to my home until the beginning of XXXX. 
~I work from home as a project manager. This delay in internet service would have cost me my job. 
~After giving XXXX  a few days without resolution, I called XXXX and had their internet installed that day. 
~ I alerted XXXX several times to close my account as they were no longer needed. 
~I have proof that I sent back all equipment and that it was received by XXXX. 

They chose to ignore all evidence and sent my account to EASTERN ACCOUNT SYSTEM INC for debt collection. 
On XX/XX/2023, the day I received the letter from XXXX XXXX  XXXX XXXX, I sent them all documentation proving that this inflated dollar amount was fabricated by XXXX XXXX. 
Today, XX/XX/2023, I received a letter from EASTERN ACCOUNT SYSTEM INC who merely sent me another invoice and stated that it was validation of the debt owed. This is clearly a purposeful misrepresentation of the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My XXXX year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX ( DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and BMO/Harris. He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). 
The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX perpetrated on her.

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