BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: NAVY FEDERAL CREDIT UNION
State: UT
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:
Navy Federal Credit Union is reporting erroneously on my credit report. I recently took a look at my credit and noticed that the two accounts I have with them are appearing as closed accounts. I was very confused, as I never closed these accounts and no one told me that they would close my account. I continue to make payments on this account, and this has been open for years. If these accounts close, they were done so erroneously and I ask that they please bring them back into open status and current status as I ask that they remove the XX/XX/21 late. I have been a long time customer and I ask that they please fix the mistakes on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I have 5 fraudulent charges, some in Illinois, on Wells Fargo checking account totaling {$1100.00}. I havent been to Illinois in years. I have called Wells Fargo and made claims.

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 2023-01-08
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 I cancelled my cellular phone service with XXXX. I cancelled before the new billing cycle to avoid prorated charges. I also turned in all leased cellular devices as instructed by the XXXX representative. I have all of the credit receipts for each device returned to the XXXX XXXX XXXX XXXX XXXX. The Store representative assured me that i would not incur any further charges. I also returned a XXXX XXXX device that was provided by XXXX in my home to strengthen my devices signal strength while I had their services. 
I was reviewing my credit report in XXXX XXXX XXXX  and noticed that I had a collection for {$380.00} from XXXX through a third-party collection agency. I had not received any written or electronic communications prior to this time. I attempted to reach out to the listed collection agency on my credit report. I contacted Allied collection Services and sent all receipts verifying all cellular devices were returned to XXXX. A credit of {$1000.00} in total was returned. The collection agency representative stated that XXXX noted equipment was not returned but now the issue and balance should be resolved. 
However, I never received any other written or electronic communication to verify the collection agency had resolved the issue. My credit report continued to report the collection and also noted another collection agency called XXXX XXXX XXXX. The Allied Collection services noted {$0.00} in collection but the XXXX XXXX XXXX now is showing {$380.00} in collections on my credit report. 
I have made several attempts to contact these collection agencies but never received any recourse. No electronic or written communications were ever received. I even reached out to XXXX customer service before there company fully merged with XXXX XXXX and they only could tell me that maybe it was equipment I never returned or I owed a previous bill!. All of which I disputed and provided the receipts for returned equipment and reviewed all of my billing statement prior to me cancelling my service with XXXX. 
In closing I have disputed these collections on my credit reports without any recourse. I have all copies of returned equipment and my billing statements from XXXX XXXX XXXX XXXX. Any assistance to resolve these collections will be greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: International Computer Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FIRST COLLECTION SVCS violated the the governed laws under FCRA 611 ( a ) ( 5 ) ( B ) by reinserting a previously deleted debt that was due to fraud and identity theft they failed to send any proper notice within 5 business days of reinserting the debt back to the credit bureaus. I am now filing a complaint with the CFPB for this violation as this is a willful and direct act of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: U.S. BANCORP
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The ACCOUNT ABUSE REPORTED BY US BANK ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. US BANK ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL US BANK LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME

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 2023-11-06
Company: Block, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/23 dispute was open on XX/XX/23 dispute was paid XXXX dollars for both accounts to reference XXXX told credit will be restored when payed have receipts that it was payed.have not missed any payment have proof of in my payment history.the company has violated my rights title15 USC 164 rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Nelnet, Inc.
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 applied for the SAVE application through the FSA website as instructed. I approved the IRS form submission for income verification. After about 10 days I called Nelnet on XX/XX/XXXX and was on hold for XXXX hour and XXXX minutes before speaking to a representative. When I did speak with them, I asked what the delay was in processing the application. I was told I needed to submit a recent paystub to verify income. The representative told me a message/email was sent regarding this verification request, but I have not received any sort of notification. 

Once I submitted my recent paystub through Nelnet 's document portal, I was instructed to pay a {$5.00} transfer fee to be removed from the IBR plan. I have now paid this {$5.00} fee twice, once for {$5.00} on XX/XX/XXXX and another {$4.00} on XX/XX/XXXX. As of today ( XXXX ) I am still getting a popup notification when I login requesting that I must pay another {$5.00} in order to process the SAVE application. 

Currently my listed repayment amount is {$650.00} due on XX/XX/XXXX. My account is still accruing interest even though it has been assigned " Idr Proc Admin ''. According to the website currently, my " Payments will begin in XXXX, XXXX.Your payment amount will be shown on your statement three weeks before your due date. '' Which is XX/XX/XXXX I have no way to know if the application is currently being processed correctly because of lack of communication, and have no way to reasonably plan what to pay when the due date comes until only XXXX days prior. Which is not enough time if the XXXX estimated payment plan is somehow different from the actual repayment on XX/XX/XXXX. 

Yet the FSA website is telling me my payment should be around $ XXXX over XXXX  month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
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 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 2020-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Today, i checked my recent statement and found my APR has not been changed since XX/XX/XXXX. I was acknowledged that recently prime rate has been moved down several times. I was surprised, because i thought i was quite good card user so far. So, I Opened chat customer service and asked the reason why my apr still remains same. The first agent, i talked with was XXXX. She said my current apr was evaluated by the factors of creditworthiness, payment activities, time of opening. After reading her words, I was confused, because i have been using this card since XXXX, im sure my credit is not bad, and i was a very good card user. But her words were like criticizing all mine of listed above. So, i wanted exact explanation for it. She kept replied me back she understood points of my inquiry and she would explain, but she just informed my current apr and that was all. even i couldnt see any apologize for her words before i asked her for it. I was bit upset, and requested her to escalate this matter to leadership and join her supervisor to existing chat. I need specific explanation for the next time. Some factors that i missing can affect my credit card activities, and i dont want affect my credit card activities. Her supervisor, XXXX joined the chat. Chatting with him was worse. He mentioned that my current apr is the one that lowered prime rate already applied. So i asked back, the reason why my apr moved to opposite side of prime rate. As prime rate goes down, then whole apr from lowest to highest move down as my knowledge, but in case of my apr remaining same, my apr went up for some reason. Then, he mentioned my onetime 30days late payment, and my current revolving balance lead higher apr. i didnt know even i paid late, but i knew that late payment fee can lead higher apr. however, i couldnt accept my current revolving balance ( 25 % from total credit limit ) can lead to higher apr. This was very new to me, paying in full does not accrue any financial charge, but not paying in full has been leading my credit card to higher apr so far. After pointing out this point, XXXX suddenly changed his words, and nothing affected my apr..and he said like i was asking lowering my Apr. I swear i didnt. Few days ago, i contacted amex for financial relief for the customers impacted by Covid19, for this time, i was just inquiring. He might told me like that as he read previous my request, and take care of my inquiries like asking lowering offer. I didnt request and i dont want it. If i have to pay apr, i will pay, he was out of point. As a result, i couldnt get anything from this chat. I apologized to hold the customer service team too long. However, id like to escalate this to leadership for lack of professionalism. I want to receive regarding this matter as letter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a rental car through Chase XXXX  Rewards. I used my points to pay for the 1 week rental from XXXX for a value of {$410.00}. A few days later I looked at my recent transactions and there was an additional charge of {$600.00} from XXXX ( the rental card company ). I called Chase and the XXXX Rewards team told me that there were other fees attached to the rental that they could not cover ( upgrade to a better model, which the salesperson on site told us was a " free '' upgrade, an airport surcharge fee even though the rental car is not kept on site at XXXX, and another fee that the customer service person had trouble explaining ). As part of the Chase Sapphire XXXX card, customer service is supposed to work on your behalf to assist in travel matters, like incorrect billing. After waiting for 40 minutes, the customer service represented told me I needed to call XXXX directly. In addition to that, they said they were under no obligation to pay for additional fees. I understand they are not obligated to pay for those fees but the total price of the rental car was more than double what I used my points for and none of this was represented transparently when I checked out. Had I known that {$410.00} in points wasn't even going to get me half way to the total cost of the rental, I would have approached it differently. I believe Chase is misrepresenting the value of their rewards points programs and not explaining clearly to consumers the true cost when purchases are made. Additionally, they are not providing the travel concierge services ( which is $ XXXXyear ) that they are advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have a bankruptcy reporting on XXXX, XXXX and transunion. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.

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 2020-10-11
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
JPMCB CARD SERVICES - FINAL PAYMENT {$2000.00} ON  XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TN
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 recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). I asked very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Around XXXX XXXX, I received a letter from Chase JP Morgan Chase Bank, N.A., indicating that they approved my recent application for a new Southwest Airlines Visa Platinum account. I have never, currently or recently had or requested a Southwest Airlines Visa Platinum card. In the letter, they go on to state in order to approve my request, they have made adjustments to my other accounts. The letter goes on to state why they adjusted my accounts, and how. The letter then advises me what to do in the event my accounts were closed, and information regarding my reward activity. 

During the week of XX/XX/XXXX, I received an envelope containing the following : *2 Southwest rewards Visa cards. *Undated Rapid Rewards Plus Rewards Program Agreement and welcome letter *Card holder agreement rates and fees table *Information from Chase ( Rev. XXXX ) regarding sharing personal information. 
*Pamphlet Welcome to Chase XXXX Your card member agreement *Pamphlet : Guide to Benefits. Effective XX/XX/XXXX In regards to the credit cards which I did not request, they were printed with my name on one of the cards, and a XXXX XXXX on the other. I do not know a XXXX XXXX, but on XXXX  him, I noticed a XXXX XXXX who could be in my age range and passed away in XXXX. 

When my father passed away, I had inherited an Annuity from XXXX XXXX. While we have since moved these funds from XXXX XXXX, earlier this year we received a letter stating that they had a security breach during the tenure of our account. As a result we were advised to take advantage of free security services. While I had some reservations, I did share my personal information with the security service. I am currently looking for my documentation for this service.

Company response to consumer: Closed with non-monetary relief