BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
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:
I mailed my {$2800.00} rent check to my landlord on XXXX  On XX/XX/XXXX someone cashed a check that had been washed with a new recipient ( unknown to me ) for {$4800.00}. On the XXXX XXXX XXXX XXXX XXXX fraudsters have added tacky stuff to postal boxes so they can intercept mail. My landlord notified me at the end of the month that I was late on rent ( I was returning from maternity leave ) and I saw the fraudulent check and promptly alerted Chase. They opened an investigation, but sent me to the branch to close my account. The fraudster continued in XXXX to attempt to cash additional checks to my closed account, but I alerted Chase quickly whenever I saw the transactions. Despite my account being closed 1 or 2 checks still posted and I had to speak with Chase reps to get the funds reimbursed. Chase is working with the other bank and I've submitted documentation at their request on multiple occasions. Reps have confirmed that I should just wait and it can take over a year to be resolved, but I'm afraid the statute of limitations will run up soon and Chase will claim they aren't liable if the other bank does not respond. The last letter regarding this investigation was in XXXX ( fairly recent ), but just says it's in the other banks hands and Chase is not liable for the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my XXXXExperian credit report online XXXX There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have given me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed XXXX XXXX XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-02
Company: U.S. BANCORP
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} VISA gift card from my employees for my birthday. I used the card once for {$12.00}. I tried to use it again for an XXXX online order, but it did not appear to work. 

I went to the card website to check the balance and was locked out. I called the number on the back of the card and tried to obtain the balance and was told the card was not registered to me, and that the information I gave them was incorrect. I was surprised as I did not believe I had registered or needed to register the card in my name. It's a gift card. 

I then tried to use it as a store, thinking that if I had the correct PIN it might work, but it didn't. It said not authorized and confirmed to me that the card was shut down. 

I called again and they told me the card was compromised, and that I needed to send in a copy of my driver 's license, and a letter saying it's my card. The company did not sound solid on the phone, and I don't want to send my driver 's license to them. I also don't want to give up the balance to this card company that may be scamming.

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 2023-12-01
Company: Western-Shamrock Corporation
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The lady at the western shamrock in XXXX XXXX Oklahoma says because I have not paid my first missed payment. That she has no other choice to send me to collection 's. That she is going to come to where I stay. That she or someone else is going to go where I work. I do not work. I am XXXX. I do not have to tell her what I spend my money on I have bills I have to pay. I told her that I can make the payment when the loan place opens again on Monday. I do not have enough money to make a payment. I told her I can pay Monday. She told me because I already got paid that I could have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 closed My Account With Capital One Credit paid in full Card 6-9 Month ago and cut up the card .now I'm getting reports from capital one in the name of XXXX XXXX stating to Visit the Alerts section of XXXX  from Capital One such as Heads up : A lender reported that the status of your account delinquent Account as well as View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity.

Stating I Have derogatory status I Paid all Creditor except New mortgage i explain to creditors i need 30-60- days to pay off Car Payment plus all credit card which I did XX/XX/XXXX Email Found on Dark Web XXXX XX/XX/XXXX Breached Site : XXXX Password : Not Exposed Your email has been exposed on the dark web. Don't worry, we'll help you get through this. Before you take action, be sure to review all the information below. 

also Date found on dark web XX/XX/XXXX What should I do? 
You should reset the password for your email account along with any other accounts associated with your email address. Tap on the " Let 's Take Action '' button to learn more about creating strong passwords and checking for signs of fraudulent activity. 
Why am I getting this alert? 
Helping you keep tabs on your personal information is a top priority, so we'll regularly scan the dark web for your SSN and email address. We'll send you an alert if we find your SSN or email somewhere suspicious. Learn more about alerts. 
The only person causing this problem is a company I paid off months ago XXXX XXXX XXXX Account Balance {$25000.00} paid in full XXXX Paid In full as agreed XXXX   XXXX XXXX Account Balance {$25000.00} -- Paid In full as agreed XXXX XXXX XXXX Account Balance {$1700.00} Paid In full as agreed XXXX XXXX XXXX XXXX paid off by new owners New Account XXXX XXXX  XXXX Please correct this Error with this company or Dark Web

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet has wrongly declared my account as past-due for an amount way beyond what I am supposed to pay per month while paying on the SAVE plan. This can impact my credit and I am very angry, especially as my forbearance period has just ended and I am going to make my first payment of XXXX as scheduled on XX/XX/XXXX. I do not understand why Nelnet is saying I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting 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:
JPMCB card services XXXX I did not make this inquiry. 

JPMCB CARD SERVICE ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: CL Holdings LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Jefferson capital systems is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct Jefferson captial systems would not be attempting to suppress this information. 
JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX  {$970.00} {$970.00} XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2023 XXXX XXXX BANK OF AMERICA ILLINOIS XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe to your bank. I am not refusing to pay, but am notifying you that I am disputing your claim. I am requesting validation, as it is my right according to the Fair Debt Collection Practices Act. Please be aware that I am requesting validation ; specifically, competent evidence bearing my signature and showing that I have a contractual obligation to pay you the amount you claim I owe. I am putting you on notice that any negative mark found on any of my consumer reports ( including XXXX XXXX  credit reports ) from your company, or any company that you represent for a debt that you can not verify that I actually owe is a violation of the Fair Credit Reporting Act. Therefore if you can not validate the debt, you must request that all credit reporting agencies delete your entry from my XXXX XXXX system report. Pending the outcome of my investigation of any correspondence or evidence that you submit, you are instructed to take no further action that could be detrimental to any of my consumer reports. If you can not prove that you still own this alleged debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX LAST 4 SSN : 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 2021-03-29
Company: EQUIFAX, 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:
XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2024-01-17
Company: Atlanticus Services Corporation
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have filled out a 1099A form for Fortiva, and the IRS accepted it on XX/XX/2024. This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recently sent a letter to the SOUTHWEST CREDIT SYSTEMS and in That letter i clearly demanded to see and receive copies of the purchase agreement for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/XXXX, a reverse mortgage was taken by XXXX XXXX XXXX and on XX/XX/XXXX, that loan was assigned to HUD from Bank of America. On XX/XX/XXXX, the reverse mortgage was " PAID OFF and SATISFIED '' to Bank of America. On XX/XX/XXXX, Bank of America requested from HUD that the assignment be given to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) '' on XX/XX/XXXX, and recorded in Official Records of XXXX XXXX as Instrument Number XXXX. Without notice, communication or clarity on XX/XX/XXXX, Bank of America rescinded by recording a " Recission of Satisfaction ( " Recission '' ) '' in the Official Records of XXXX XXXX as Instrument Number XXXX. There is evidence from Bank of America in the form of the series events that took place to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) on XX/XX/XXXX. In addition, there is a " Satisfaction Letter '' from Bank of America that certifies the reverse mortgage was " PAID OFF and SATISFIED ''. Bank of America accepted our " third party authorization '' to release information pertaining to the " PAID OFF and SATISFIED '' letter. If it is a violation of privacy laws, then Bank of America broke a federal violation by sharing information ( e.g., loan information, satisfaction information ) of a deceased borrower. However, Bank of America states that it was an " unintentional or procured by mistake '' and it was a " unilateral mistake '' on their behalf, and this is the basis to " rescind a satisfaction of mortgage ''. It has been 6 months and Bank of America has not provided any information on loan balance, payment history because the reverse was " PAID OFF and SATISFIED '' on XX/XX/XXXX. Finally, there was a will that reflects the facts that the property was PAID OFF and SATISFIED and no money was owed to Bank of America. Please help us stop this fraud and falsified actions.

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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

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