BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid 19 pandemic is still active and in place. Capitol One Bank for the months of****XXXX  and XX/XX/XXXX are reporting 2 late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Nelnet, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I obtained a loan through XXXX XXXX  in XXXX XXXX ca via XXXX XXXX XX/XX/XXXX. XXXX, from my understanding, obtained the loan through XXXX XXXX. By XX/XX/XXXX, i hadnt received any services from XXXX XXXX  I informed XXXX and they told me i had to speak with the XXXX  company. I spoke with them and called XXXX again on XX/XX/XXXX. At that time i was given specific instructions on writing to request a refund from proceed finance. I was told i personally had to cancel the loan and request a refund of what Ive paid to XXXX. The letter requests a refund within XXXX to XXXX business days. 

XX/XX/XXXX, i called to follow up. I spoke with XXXX and XXXX, as well as a supervisor named XXXX. XXXX was helpful and promised to email the department that issues the refunds. I spoke with XXXX and she told me there wasnt nothing she could do to speed up any process of refunding what Ive paid them. She said it was unfortunate that i received erroneous information from the person that suggested 5 to 10 business days for processing. I then spoke with XXXX, t the supervisor. He found the refund in the system and suggested i would probably receive it the next week but he couldnt promise a day. 

XX/XX/XXXX i spoke with XXXX. She also saw my refund in the system but had no answer as to when i would receive my refund. She promised to email the department again that issues the checks and to also file a complaint on my behalf with the supervisor, XXXX XXXX who should give me a call back, and also with XXXX XXXX. 

Today is XX/XX/XXXX and i still have not received any call backs nor refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX auto loan approx {$42000.00} from XXXX, XXXX  no payments reported to credit bureau after XX/XX/2022. I was made aware of the situation upon trying to trade my vehicle in and the dealership told me I could not trade a car in that does not belong to me. This was very emabarrasing and humiliating. The salesman said nothing is on your credit report showing you have a vehicle in my name. It was also a slap in the face considering my payment history was excellent but due to not being reported it was no help to my credit score. With that being said the request for the down payment amount could have been lessened or avoided altogether if I had proof of payment history on the auto loan from Wells Fargo.

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 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX Amex enrolled me into the following offer The offer to receive an annual statement credit is only available to Corporate Card Members who apply for a new eligible Personal Card. However, as a valued Card Member, we are able at this time to extend this offer to you as a courtesy for your existing Personal Card account. There are additional offer terms that I will now read to you. 
With this offer, you will receive an annual statement credit of {$150.00} for Platinum in each year that you maintain both your current Platinum Account and your current Corporate Card account. The annual statement credit will be posted to your Personal Card account within 8-12 weeks after each anniversary date of your Personal Card Membership, starting after your next anniversary date. To be eligible for the annual statement credit, both your current Platinum account and Corporate Card account must not be cancelled or past due at the time a statement credit is posted. 

On XX/XX/XXXX, an Amex rep confirmed that I would receive the credit within 12 weeks of renewal. On XX/XX/XXXX I wanted to cancel my card but since I would receive a credit of {$150.00} on renewal, I decided not to cancel my card. On XX/XX/XXXX when I contacted Amex, the representative made up excuses for the missing credit. First he said that I didn't apply for a new card ( I pointed out that the rep enrolled me for an existing card ), then he said I didn't wait for 12 weeks ( I did ) and finally made up that XXXX XXXX XXXX cards are not Platinum cards and are ineligible. When asked why 1. The initial rep enrolled me into the offer even though it wasn't " supposedly '' a Platinum card? 
2. Where it said that it was excluded in the terms of the offer? 

the rep had no answer. He made up things like oh we see this only internally and XXXX XXXX XXXX is not a Platinum card ( even though Amex markets it boldly as " The Platinum Card from American Express Exclusively for XXXX XXXX '' at XXXX : XXXX I was escalated to someone claiming to be a supervisor but that person was worse than the non-supervisor rep. All that person did was tire me out by waiting 10s of minutes between responses and pasting the previous reps statements word to word or random boilerplate platitudes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
This is my XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX BANK XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$950.00}

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 2022-04-27
Company: Experian Information Solutions Inc.
State: OR
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  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, US Dept of Education XXXX XXXX XXXX, XXXX  XXXX  XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-27
Company: EQUIFAX, 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: ProCollect, 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: Account information incorrect

Complaint:
I tried calling Pro Collect serval times, and I was put on hold each time then the line would hang up every time. I would like to delete the account and get documentation that the account has been deleted. We were under the assumption that the account would be deleted after the amount was paid. We have a receipt from XX/XX/XXXX of 2022 showing the account has been paid off. The account has my name on there and my fiance 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 explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

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 2022-04-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/2022 Navy federal transferred {$1800.00} from my savings account to another savings account within the same institution. Navy federal advised that they were able to make the transaction since I am a joint owner to the account in which they transfer my money to. I was made a joint owner by navy federal bc this is what they require when you open and account. They did not give me any prior notice to transferring money from my savings account to this other account. I'm in the middle of a housing transaction in the middle of purchasing a home!!!!! and this transaction can cause me to lose my financing. They transfer the money from my account because the other account was overdrafted due to fraud even though the transactions have already been disputed and reported. They should not have taken money from my account!! My account is not connected to this other account. Please put my money back!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with JPMorgan Chase Bank ( JPMCB ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with JPMorgan Chase Bank ( JPMCB ). This fraudulent account was reported by XXXX, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with JPMCB, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that JPMCB has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with JPMCB from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. JPMCB has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX  Wells Fargo contacted me by phone informing me that my debit card has been closed, a phone contact in Wells Fargo they informed me that they could not give me a reason why the debit card had been closed so I can no longer use my debit card with Wells Fargo and I no longer have a bank account with Wells Fargo, Wells Fargo customer service to appeal this decision Wells Fargo refuses to answer any of my questions or concerns Regarding why the bank shut my debit card usage down and my account usage was closed resulting and me having no access to my money in the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received collection notification from Calvary Portfolio. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for XXXX XXXX  / XXXX. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 they violated my rights. 
Please delete the following items : XXXX Account Number : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX that I and XXXX XXXX has been paid off. As a of XX/XX/XXXXXXXX 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 2019-01-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My regular monthly Mortgage payment is {$1500.00}. 

1. 
On XX/XX/2018 I made my Regular monthly payment of {$1500.00} for the Month of XX/XX/2018. 
Along with that I made additional Payment of {$3500.00} towards my principal. 
The Company did not credit the additional payment of {$3500.00} to my account. Instead they transferred to Unapplied Funds. 

2. Similarly, I made my Regular payment of {$1500.00} on XX/XX/2018 towards my XXXX Payment. The Company did not credit this amount also to my account and transferred to Unapplied Funds Thus, my Total {$5000.00} has been sitting in Unapplied Funds without being credited towards my Mortgage Loan. They keep charging me interest on this amount. 

I called them twice before and also sent an email on XX/XX/2018,  but till today, this has not been settled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation