BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My company was acquired by XXXX last year and the relationship with my former 401K carrier ( XXXX ) was being terminated this year, forcing me to transfer my 401K funds. I chose to directly roll the 401K ( approx $ XXXX ) into my new XXXX 401K account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. I received the paper check, added the necessary rollover paperwork, and mailed it all ( USPS ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXXXXXX XXXX The check, issued by Chase bank, was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. We submitted a Declaration of Unauthorized Endorsement to XXXX and their bank ( Chase ) the week of XX/XX/XXXX. I understand their fraud division opened a case with XXXX XXXX XXXXXXXX the same week. I spoke with the police on XX/XX/28 to open a report and filed a complaint with the USPS the same day. XXXX/Chases fraud department is in contact with XXXX XXXX XXXXXXXX , yet Chase is refusing to return my funds despite acknowledging that the check cashed was fraudulent. This is all happening because I was forced to do this transfer through via paper check, so while XXXX is ultimately responsible, XXXX/Chase should return my funds to me while this is sorted out with XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX please remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX XXXX XXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by 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 explanation
Consumer complaint received 2023-09-20
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reporting that ive never received. 

Student loans are forgiven credit reports doesnt reflect that. 

Multiple accounts paid off doesnt reflect on credit report. 
Erroneous credit pulls XXXX XXXX XXXX XXXX is paid off still reporting a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
The following information needs to be deleted as I have disputed this inaccuracy multiple times. I have attached a letter from BK court showing this account they never reported to any third party entity I demand immediate deletion and future blocking of this account.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2023 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 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 2022-02-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, To whomever reads this, I need some help with about a dispute that I am falsely being accused of owing to an allotment company called Transworld Inc. There company claims that I own them for a bill of XXXX dollars since XXXX from a claim from a XXXX  energy company called XXXX to which their claimed money from me in XX/XX/XXXX. But the problem with that is never used either of these companies in my life ; especially since Ive never rent, owned, or stay in a place with a utility bill in my life as of right now. And during that claim, I was stationed and living in XXXX, XXXX  at the time of the original bill. I keep trying to dispute this claim to the credit company, but I am consistently not getting an answer to my problem or to even getting this problem resolved. This current discrepancy has brought my credit score from XXXX to XXXX, and at this current rate, this problem will grow to be more damage that what its worth. Please as much as you can. 

Very Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I contacted TransUnion by phone in XX/XX/2023, also XXXX XX/XX/2023 to remove incorrect names and addresses from off my consumer report and they stated they couldn't remove such information. On XX/XX/XXXX I sent TransUnion a letter requesting it to be removed and letting them know this information is inaccurate and doesn't belong to me and they have failed to respond. I also submitted an FTC report and attached it to this file.

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 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2018-02-05
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Wells Fargo. The mortgage is currently 9 years old. I phoned the company and asked them to remove PMI due to time paying into the mortgage. They said I have to pay until XX/XX/2019. XXXX note with XXXX owed. 
Perfect payment history. Loan was absorbed from 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 2023-09-19
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of financial fraud on XX/XX/ for two transactions. One for {$990.00} and {$1400.00}. I was attempting to call a help desk to login to a phone app I was not able to login in. Assuming I was speaking to the right person, the person on the line convinced me that I was already a victim of fraud and that I needed to make these transactions to resolve the issue. Confused with the circumstance, they convinced me to make these two transactions to XXXX XXXX using my XXXX PNC mobile app with nothing in return. I do not know this individual, and I am now out of {$2400.00} that I desperately need. I have been stolen from and tricked into sending money that I never wanted to send and PNC will not reimburse me. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a dispute against Experian, XXXX XXXX XXXX consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXXXXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Experian, XXXX XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Experian, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Experian, XXXX XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Experian, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Experian, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian, XXXX XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-17
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: Problem with fees

Complaint:
I had a scheduled payment on XX/XX/2022. I was notified by Amex that the payment on XX/XX/2022 was returned due to insufficient funds but that no action was needed from me because they would make another attempt. I was then charged a {$29.00} Return Payment Fee. I was surprised because it never happened before. And there were funds in the paying bank. Later the payment went through with no issue. 

I contacted American Express for a refund of the {$29.00} Return Payment Fee. But the agent XXXX from Website Chat told me that he could not help me in any way that I should contact Customer Service by phone. I called American Express, and the agent XXXX told me the fee was charged by the paying bank and she could not do anything at all and that I should contact the paying bank for reimbursement. 

I then contacted the paying bank, XXXX, the representative told me that XXXX did not charge any fee in the process and I should be contacting Amex. 

I am really disappointed in Amex agents scripted answer and basically it was a lie and very misleading. They would not provide any help and just wanted to turn me away. I do not think this charge should be on me or the paying bank, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX UT, XXXX Earlier this year, we asked for forbearance. The terms of the forbearance were not explained well, but we accepted the help and delayed payment of our mortgage by TWO MORTGAGE PAYMENTS ONLY. We decided that we could then resume payments with the unemployment insurance money. 

Our mortgage payment went up by about XXXX XXXX dollars per month. 

My husband still does not have full time employment. Our account is still in good standing. One month ago, my husband applied for forbearance again. Legally, this is allowed under the CARES act, but my husband has been asked for extraordinary amounts of information and has spoken to several people at the servicer. 

They have notified my husband that my credit ( I am not listed on the mortgage ) may be adversely affected by asking for help from them. 

Each time my husband calls, he speaks to someone who has no idea what is happening with our account, and tells him that there ARE NO NOTATIONS OF applying for forbearance on the account. Twice, two representatives have told him to remit payment, and then when he calls back, different representatives say that he should not pay. We received a notice that the information on our application was incomplete, but an additional representative directed my husband to ignore the notice. 

Two weeks ago, we were told that information on our application, notices and important messages would be communicated to us through our online portal, but we have received ZERO messages there, even though we have received phone calls from them. 

Last week ( today is XX/XX/XXXX ) have even been told on the phone by a representative that we " can not trust the emails that we receive from them '' and that it is our responsibility to keep contacting them to make sure the process is going forward. 

Immediately after that, we called back and a representative named XXXX said that person was completely wrong, we should wait to pay and everything is proceeding as it should. 

We got a phone call today XX/XX/XXXX from them. We do not know what it was about. They did not leave a message. When we called back, they said that they did not know what the phone call was about -- they did not have a record of the call. 

We restructured our mortgage in XXXX through the HARP program and have never had a late payment ( we were in good standing when we restructured as well ), but we have since been informed that our mortgage is NO LONGER a federally backed mortgage. I'm not sure how this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.

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 2023-09-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
TD Bank advertised a 0 % balance transfer promotion which they did not honor. After opening a complaint to the CFPB ( XXXX ), they promised to honor the promotion and refund the interest charged in the next billing cycle, which, 3 months later they have not. I called them and the associate I spoke to was rude and helpless. This is terrible customer service.

Furthermore, out of desperation ( customer service initially refused to do anything ), I went ahead and repaid one of the balance transfers for {$1500.00} on XX/XX/XXXX therefore I would like the {$45.00} balance transfer fee charged on XX/XX/XXXX for this promotion refunded as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have contacted the credit bureaus and Self regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.

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 2023-09-20
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the pslf program back in XX/XX/2022. XXXX requested Nelnet transfer my loans to them back in XX/XX/2022. It has never been transferred. I have talked to Nelnet numerous times and they refuse to give me any answers. It is unacceptable how long it is taking Nelnet to transfer loans to XXXX. A year???? Ridiculous. I need to know my payment COUNT so I know if I need to continue making payments. My loans are very close to being forgiven.

Company response to consumer: Closed with explanation