BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone rented 3 apartments using my identity. Procollect, inc. requested I gather the information they needed to delete the account. At first I was told I needed to file a police report. After I sent them the documentation with the report number, they reached out and told me that I had to send a copy of the report. I got all that finally and mailed it to the address they told me. Then they told me after they had received the documentation that it had to be sent in electronically and they refused to process it. Finally, I got them to process it and after 3 months of the account being processed I reached out to them and was told that it had to be reviewed by the original debtor and they were waiting. So I called the debtor and they had not received anything. After over a week of trying to get a supervisor to speak with me I finally talked with him and he told me it would be placed in " Managerial Review '' and it would remain open but not reported to the credit bureaus. He lied. It is STILL on my credit report and being actively reported. So I called them again after it reported and they said that I did not provide them with enough information, even though I provided them with everything they requested. This is an unprofessional company and will not remove an account even if they KNOW it was opened fraudulently.

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 2023-10-23
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to make my payment twice with Nelnet.com. First on and XX/XX/XXXX and then on XX/XX/XXXX. After days of processing the payment was returned to my account both times. My account appears past due and shows a penalty for it. I have been on hold for hours 3 separate times unable to get any help from customer service. I have also tried emailing twice with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Subject : Formal Complaint Against Chase Bank for Unjust Handling of Unauthorized Transactions To Whom It May Concern, I am writing to file a formal complaint against Chase Bank concerning their alarming mishandling of a case involving unauthorized transactions on my account. The events in question occurred on XX/XX/XXXX, when I fell victim to a horrifying incident involving drugging, robbery, and XXXX assault by an individual currently wanted by the FBI. During this traumatic event, the perpetrator exploited my unconscious state to conduct unauthorized bank transfers using the Chase app on my phone. 

I promptly reported this crime to the local authorities and provided Chase Bank with a comprehensive set of evidence, including official documents related to the ongoing criminal investigation. Despite the gravity of the situation and the substantial evidence provided, Chase Bank has inexplicably chosen to deny my legitimate claim for a refund. Their denial is grounded in the absurd assertion that the transactions were authorized using XXXX ID. I reiterate that I was unconscious at the time of these transactions, rendering any form of authorization impossible. 

Chase Bank 's refusal to refund the funds fraudulently taken from my account is not only unjust but also deeply insensitive to the trauma I have experienced. I have attached copies of the evidence submitted to Chase Bank for your reference. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, holding Chase Bank accountable for their negligence and insensitivity. I request the following actions be taken : 1. Investigate the case thoroughly, taking into account all the evidence provided, including official documents related to the ongoing criminal investigation.

2. Ensure Chase Bank refunds the funds that were fraudulently taken from my account due to these unauthorized transactions. 

XXXX. Hold Chase Bank accountable for their failure to provide adequate customer protection and for dismissing a case of such gravity without due consideration. 

I appreciate your attention to this urgent matter. I expect the Consumer Financial Protection Bureau to act promptly and decisively to rectify this gross injustice. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

I look forward to your prompt response and a resolution that upholds the principles of fairness, justice, and consumer protection. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Nelnet, 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 information incorrect

Complaint:
nelnet / XXXX XXXX account XXXX $ XXXX XXXX XXXX is the cfo this acct is on my reoprts and need to be updated as paid in full and updated per law 12 usc 1813 as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 2021-03-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a text message on Tuesday XX/XX/2020 from my Best Buy Visa card asking whether I was attempting to make a purchase for {$930.00} at a XXXX XXXX. I texted No and opened up a fraud dispute. That transaction never went through but as we looked at the other recent transactions, there were 2 other charges that I disputed. One was for {$270.00} at a XXXX XXXX in XXXX, IL and the other was a {$50.00} purchase at a XXXX XXXX in XXXX, IL. Both charges were on XX/XX/2020. I raised a dispute on both of those. They were removed from my bill and I was given a credit. I received a letter from the Best Buy Visa last week that they had concluded their fraud investigation and determined that I was in fact responsible for the charges and had reissued them back to my account. 

I called the customer service number and spoke with the fraud department. The representative told me that because the transactions had been completed with a chip card and because I told them that I still had the card in my possession, that I was responsible for them. I did have the card in my possession, but I have never stepped foot in a XXXX or XXXX station in XXXX IL. They essentially told me that there was nothing they could do. I asked them if they had video footage of me making those purchases and they said that they didn't and could do nothing further. Because it was a chip transaction, it had to have been me that made it if I in fact still had the card. I did not make those purchases and I find it odd that they sent me the fraud alert for a XXXX XXXX charge that occurred 2 days after one had supposedly went through. 

I don't know if there is anything else that can be done. I already paid the balance and I told them to close my account since this was the type of customer service that was being done. There may be nothing else that I can do, but I still wanted to lodge a complaint.

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 2019-07-08
Company: EQUIFAX, 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:
I went to to XXXX to apply for XXXX XXXX  end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY 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 FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.

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 2020-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for Amazon credit and they responded with an inaccurate credit score. They claim it came from XXXX  - JP Morgan Chase, and I get all alerts from XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-10-07
Company: EQUIFAX, INC.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying

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 2021-03-13
Company: Credit Resolutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a alert from my credit card credit score that Credit Resolutions LLC had put a blemish on my account XX/XX/XXXX for {$120.00}. I never received a letter or call from them so i couldn't have had my 30 days to reply.. They put a blemish on my credit score account. I called and talk to XXXX ( @ Credit Resolutions , LLC ) she tells me it's from XX/XX/XXXX from XXXX XXXX Dental XXXX XXXX XXXX. Ask for a copy of the so called bill but she said can't give it to me?. I called XXXX XXXX dental talk to XXXX XXXX they sent me a copy of receipt with XXXX balance but still insist i still owe, ..Now my credit score has a blemish on it and still owe {$120.00}. dollars. Need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
please see handwritten attachment ( scanned ) labeled 1 on side ( notebook paper ) and should be  XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: VA
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 want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX The date I filed bankruptcy was XX/XX/2022.

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 2018-12-20
Company: Experian Information Solutions Inc.
State: CO
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 a credit card with first XXXX XXXX  where I had remained steady on payment s up to a few months ago I had noticed a credit card from XXXX XXXX that had over a XXXX charges. I had never opened the card and we had tried calling to dispute but they would hang up. I ended up paying in full and on my credit reports both accounts were listed as account closed by them. Now they are listing these accounts as open and with balances. How can they add money to cards closed. I never once seen a bill from them and I tore up the credit card. I can sow you bank statements and my old credit report which shows accounts closed and written off. Please I need help since they are ruing my life

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 2023-02-18
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My balance clearly states I owed the Amt XXXX and was paid! I should not be paying additional interest when I paid off the loan. The XXXX should have been applied all to my principal balance!!! Netcredit in now showing I owe another XXXX, when I have screenshots that my balance was XXXX. Please adjust this to my principal balance! This payment makes the loan paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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: Old information reappears or never goes away

Complaint:
I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Professional Accounts Service, Inc. (Indiana)
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On the second call i received from them i asked to not be called ever again, since then i've received 9 more calls. Informed i was going to get a lawyer and representative said to go ahead that i couldn't prove anything. They keep harrassing with the calls

Company response to consumer: Untimely response