BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the years, Wells Fargo would systematically hold deposits and cause me to have numerous overdraft fees by not making deposits available on the day I am paid, or the day the money was received by the bank. They would purposely wait until a Tuesday to post a positive account balance even though I was paid on Fridays. Causing any automatic payments to my account to have a {$35.00} overdraft fee each time for several payments. Sometimes resulting in {$150.00} or more each paycheck. When I asked them about this they said there was nothing they could do because it was the way their system was set up.

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 monetary relief
Consumer complaint received 2022-12-28
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The last XXXX to XXXX times I have used the Chase QuickPay service it has taken well over XXXX hours to receive payment. In fact several occurrences took almost XXXX days. This has made me late on rent previously. When I call they tell me to wait an hour, and it should clear. When the funds do n't clear and I call back, they say wait until XXXX and they will definitely clear by then, however, the funds do n't clear. It really seems like there is a scam happening that is designed to overdraw customers so that Chase may charge overdraft fees. Now, I have n't always had this problem with the QuickPay service. It seems that these issues occure like this if my account is low on funds and can be overdrawn if pending transactions clear. So, if they hold off on depositing my QuickPay funds for XXXX days, then there is a good chance I will be in the red. The misconception is that all the Chase customers, and including the Chase employees think the funds should clear within hours and within XXXX at the max. However, funds do not always clear quickly, and no one can explain why. This is currently the situation I am in. On XXXX/XXXX/15 I had XXXX in my account. I had also excepted a QuickPay-payment for XXXX from another Chase account holder. The Chase QuickPay activity screen says I had excepted an XXXX QuickPay payment and it was complete. When I look at my account balance, the {$85.00} deposit is not reflected. I am currently over drawn {$3.00} even though QuckPay activity says the funds have cleared. The Chase customer that QuickPay'ed me the funds, said they were removed from their account immediately. If this is the case, then there is no need for a waiting period ( Hold ) to insure the funds clear. It is not the same process as a check or Debit card transaction. In addition, when you do become overdrawn as a result and charged a fee, they do not automatically refund you the fee based on their mistake, you have to call them and show them that there is a glitch in there system. If people do n't realize this is happening, they do n't call and Chase collects unwarranted overdraft fees. I would have thought this was just an exception, just a glitch, but I am noticing now a pattern that is of concern and should be investigated. It is a strange operation and does n't look good ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: SG and Associates
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim of identity theft.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-02
Company: Regional Management Corporation
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: Account status incorrect

Complaint:
I had disputed the problem to remove the negative remarks on my credit report, Its showing POTENTIAL NEGATIVE, in a couple weeks, I looked for the dispute to be compete and it stated payment late. I had called to explain to them that the payment was paid completely and the negative remarks need to be removed completely. This needs to be settled right away. I am paying off my debt and credit cards completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home loan belonged to XXXX and was sold XXXX bank, who then sold us to Deutsche bank out of La. We have been trying to do a loan modification for the last 5 years. They have lost our paperwork and or did n't send in the right stuff when it was all listed what they need. So I want to file a complaint on them to see they are wrongfully foreclosing on us. The foreclosure sale date is supposed to XXXX XXXX 2016. So I need to get this expedited if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I received a letter from JPMorgan Chase Bank N.A . ( Chase ) stating that servicing of my mortgage loan will be transfer to XXXX XXXX XXXX effective XX/XX/2016. This was only a few days notice, not the 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender, Chase sent a check for a perceived overage in my escrow account of about {$1400.00}. The escrow account went negative due to the shortage and they want nearly {$2000.00} or my payments will increase from XXXX to over XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: PA
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 am an Consumer and Ive notice a few Consumer Violations on my Consumer report that I would like remove. Attached you will find a copy of said Violations on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started going to XXXX college to take courses to qualify for XXXX in my state. Nelnet put me on automatic deferment. I have no major concerns with that, but what has really pissed me off is that I have called on multiple occasions to tell them to reinstate my automatic ACH payments. I have money to pay for my student loans and do not need nor do I want the deferment. It is now XXXX and I am seeing that my last payment was made on XXXX 2016. There is no way I can payback multiple months. But they need to reinstate my ACH payments! Why are they refusing to do this? I have a right to pay my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I can not wholly blame Global Lending for this adverse action I am filing. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Global Lending could resolve this complaint in a matter of minutes. I totaled my vehicle on XX/XX/2018. I had financed with this company. My insurance company lied to Global Lending and me. Before I went to the V.A. Hospital for an elongated stay after several months I was released I found out Global Lending had  charged my account off for non-pay. I was told to me my account had been paid off. Everything has been paid off now. However, your company is reporting a charged balance of XXXX XXXX dollars or more. This painful and regretful error is causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I fought for this country, and I protected my insurance company freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming Global Lending for this miscarriage of justice. However, I am bringing to their attention the lack of communication and not taking this dangerous situation as a priority and overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-02
Company: Absolute Resolutions Corp.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2023, to Absolute Resolutions. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. According to the law my consumer report must be 100 % accurate and it is not. 
Account # XXXX is in violation and not reporting correctly. I want to know if they investigated this account. If they investigated this account, who did they speak to? I want to see the proof of investigation and proof that this is my account. How did they complete the investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.

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 2018-09-03
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.

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 2023-06-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
-XXXX XXXX : Submitted a request to get a refund on any payments made after XX/XX/XXXX XXXX : Received an approval e-mail message from Nelnet. 
-XXXX : Balance reflected back into my account. However, I do not know the exact date since I did not receive a notification from the lender. Realized that my balance had gone back to what it was before the requested amount only because I logged in to check. 
As of XXXX I have not gotten any money back neither by check or direct deposit. 

All payments have been made online since I started paying my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-08-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a pre paid debit card from Netspend. I put XXXX XXXX onto the card at the local retail store. When I tried to activate the card Netspend wanted a copy of my social security card, a copy of my drivers license, and a copy of a bill with my home address on it. I do not feel comfortable giving them that kind of information. My real bank account did not ask me for that kind of information. I contacted the card company asking for a refund since I did not agree with their terms of service. I contacted their help phone line numerous times with out resolution. I was working with XXXX  via email without resolution. The company said if I want a refund I have to upload my social security info. The company has since locked my card and is refusing a refund or a release of my funds thru activation

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 2020-03-04
Company: LEXISNEXIS
State: PA
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 have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My name is XXXX XXXX. My mortgage company is Mr. Cooper. The account number is XXXX. The issue I am having is that they are fraudulently applying a principle only payment to the next months bill that is not even due yet. Specifically, I made the monthly payment for XXXX and a week later I made an extra payment that I selected to be applied to the principle. Mr. Cooper has fraudulently applied this to XXXX 's bill. This is fraudulent because my bill is not outstanding, I have not selected it to be applied to next months bill, and more importantly it skips ahead and does not include the principle payments I will make later in the month which lowers my principle and allows them to charge a higher interest. This is the second time this has occurred. Please see the attached photo of my statement. The bottom circle shows my XXXX mortgage payment on XX/XX/2021. The top circle shows my additional payment of {$3000.00}. However, it is another monthly mortgage payment ( for the following month ) of {$2200.00} plus additional {$780.00} to principle. This should have entirely gone to principle and not to the following months bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CHASE BANK has serious security breaches and has repeatedly allowed fraudulent withdrawals from four different checking accounts. 

In XXXX, my driver 's license was stolen and used by someone in the XXXX ( XXXX XXXX in XXXX ) to withdraw money from my checking account. That original account was closed by CHASE and a new one opened. Despite " alerts '' Chase claims it put into my account information, the new account was also robbed, so a third account was opened, and the same thing happened. The total funds fraudulently withdrawn from three different branches in the XXXX amounted to {$6000.00}. This money was eventually refunded when my claim was validated. 

HOWEVER, the story continues. In XXXX, a friend died and as co-executor of her estate, the other executor and I opened an ESTATE ACCOUNT in the dead woman 's name at Chase, to be used ONLY for distributing the funds to her beneficiaries. In XXXX, XXXX, someone obtained the number of that account and fraudulently withdrew {$1900.00} from yet another Chase branch in the XXXX, forging my signature on a withdrawal slip. This was their only ID, since I had cancelled the ATM card after the first robbery. 

It is shocking to me that someone at CHASE is providing numbers of NEW ACCOUNTS to thieves. What can your agency do about this horrifying breach of security?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: MI
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: Other problem getting your report or credit score

Complaint:
Contacted equifax to dispute incorrect information. Dispute was updated information but failed to update credit report. Contact equifax about credit report and score not correctly updating and they opened a complaint. No changes have been done no score or report updated. Score is listed as poor yet all other credit reports are updated with proper scores and information. My score hasn't change in almost 6 months and they can't explain to me why. I have no derogatory marks no late payments nothing and yet they can't update the information or explain anything to me.

Company response to consumer: Closed with explanation