BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
. On XX/XX/XXXX, I was a victim of a scam. I received text messages from " Chase Security '' asking if charges to my card were correct. I replied no and a fraud specialist contacted me and asked that I sign into my account while on the phone and I unknowingly allowed them access to my account. I received an email from Chase XXXX XXXX XXXX Banking on XX/XX/XXXX at XXXX XXXX  informing me of an outgoing transfer from my account and was provided a XXXX # to contact if I had any questions. At XXXX XXXX  I dialed the number provided and was informed that a wire in the amount of {$9000.00} had been made from my account. I informed the representative that the transaction was fraudulent and asked that it immediately be recalled. I followed up on XX/XX/XXXX with calls to various XXXX and XXXX # XXXX provided by customer service representatives stating that the transaction was fraudulent. After calling XXXX Thursday, XX/XX/XXXX, I was informed that I needed to go to my XXXX in order to obtain a Hold harmless letter. I arrived at the XXXX at XXXX XXXX. After the XXXX XXXX made several phone calls I was informed that it was not a XXXX matter and that I needed to call XXXX. Upon returning from the XXXX, I called the number and was advised that the claim was being worked on and that It would take some time. Friday morning, XX/XX/XXXX, I followed up calling the XXXX # provided by the XXXX and was told that the wire was properly authorized and the claim was resolved. Chase would take no further action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
In XX/XX/XXXX I spoke with a XXXX 's representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX 's has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX 's,  including their written promise to clear my credit report. This is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed my personal checking account on XX/XX/22 for reasons they described as a suspected fraudulent activity. Wells Fargo claimed a recent transaction which had been credited to my account was unauthorized and had to close my account as part of its policy. I immediately got into contact with them and tried to explain the situation and why I believed it was not a fraudulent transaction but all my efforts were in vain as they still insisted on closing my account. I was told I would receive a cashiers check in the mail for my remaining balance which was a little over the {$5000.00} at the time. 
I waited for 30 days, called them, and they claimed they were still investigating my account and that it could take up to 60-90 days to be concluded. I waited 60 days, then 90 days and called them again but this time they claimed my funds " were not payable to me ''. I asked to speak to a manager or anybody of higher authority and I was told my funds were not payable to me because there was no trace of a direct deposit to fund the account to prove I worked for the money I have in my account. I tried to explain to them again that I was only an XXXX XXXX and that I was not permitted to work. Therefore I am financially sponsored by my sponsor, family and family relations whom whom usually transact money to my account through XXXX, XXXX XXXX and other means which is why my account is dominantly funded through XXXX and XXXX XXXX transactions but they wouldn't listen. Its been over 21 months and I still haven't received the money I had in my account at the time of closure. To resolve this, I would like my balance of over {$5000.00} to be mailed to my address immediately as initially promised by Wells Fargo 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 2023-05-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened a credit card line with XXXX XXXX at the time of my employment. Which was about a year or so ago. Ive been unemployed for the same amount of time. After being laid off from my job, I fell behind on credit card payments and was no longer able to afford the card. Over time, I received calls from XXXX XXXX, I explained to them the Hardship I was going through and that I couldnt afford to pay them a lump sum of the money. I continuously received calls from XXXX XXXX about my credit card, even after I explained to them my situation and how I couldnt make payments. Afterwards, I began to make a few payments in increments but in the end, the payments caught up causing me to fall even more behind. Im a college student and almost always never have any funds due to me having to pay for those expenses. I receive financial aid, which im thankful for, covers almost most of tuition along with other fees. Since im still unemployed at the moment, I have little to no funds to my name. Today, I had an unauthorized Adjustment made to my debit card, which removed {$240.00}. This was my financial aid return to me, which I need in order to pay for my textbooks. I spoke to a Navy Federal credit union member representative today, XX/XX/30 at about XXXX and explained the situation. They looked it over and explained that it went to a debt I owed them. Navy Federal closed my credit line and sent it to collections months ago. Which is another reason Im confused as to why they would even bother to remove the funds. I do in fact have future plans to pay the debt collection agency, and asked for NFCU to reverse the funds. Unfortunately, They werent able to resolve my problem. The call was escalated as well but still no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XXXX, XXXX XXXX  I wrote " Transunion credit bureau '' a dispute letter stating that I had incorrect information on my credit report. The account on my credit report is in the amount of {$5000.00}. In the dispute letter I sent Transunion I explained that the amount is incorrect and that there were 2 parties on this debt, I explained that I was not completely responsible for the debt and that I wanted it removed from credit report. Enclosed in the letter, I sent a copy of the judgement from the court in the amount of {$940.00} and my drivers license. On XX/XX/XXXX, Transunion responded with a letter saying the account was verified and that this was staying on my report. This confused me because I enclosed in the letter a copy of the court judgement that had the actual amount, this is the law. So once again on XX/XX/2022, I sent another dispute letter to Transunion stating the same thing as the first letter I sent out wanting the account removed from my credit report and again weeks later Transunion responded again saying that the account was verified and not being removed from my credit report. I don't understand how they couldn't remove the account when its the wrong amount and I sent proof of a court judgement in saying the amount. Its just upsetting and I feel like Transunion is ignoring the information I'm enclosing in my letters. If someone could help me out it would be greatly appreciated. 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 2021-06-01
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
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 a consumer of the United States and i never gave XXXX  nor FNB OMAHA written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on XXXX, XXXX  AND XXXX. After my complaint was filed FNB OMAHA was removed from my XXXX  and XXXX  consumer report. As of XX/XX/XXXX FNB OMAHA and XXXX  willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but XXXX  and FNB OMAHA continues to violate. Labeled as exhibit C is the letter i received from FNB OMAHA on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading

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 2023-09-17
Company: Prosper Marketplace, Inc.
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Is a report of a fraudulent site they called me and told me I was approved for a personal loan when they sent me the website to go on to the personal loan I noticed it was prosper finance.site immediately got suspicious on upon going to the site I seen that they wanted your routing and your account info and then also your user ID and password this is a common scam and what they do is once you put that info in they have access to your account and they'll start moving money and doing whatever they want with it and it's definitely XXXX on the on the phone they are XXXX and they are scam artists and this has happened to me several times and the website is this prosperfinancial.site Don't even know why these can even exist this should be something that's found right away and shut down but yet they continue and fraud people everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Request for an In-School Deferment was allowed and agreed upon by College attended at Fall 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department in early XX/XX/2021, through my loan servicer, Nelnet ( document attached ). With an agreed end date of XX/XX/2021. I've since have attempted to talk to representatives at Nelnet and Financial Aid 's Registration and Records of signing a new Forbearance/ Deferment agreement in hopes of extending postponing payment to their Financial Aid Department there at The College at XXXX XXXX with no success. The issue continues to be that their Financial Aid department, at the XXXX XXXX is in continued request of a large sum of money {$5600.00}, which I financially can not afford. I am now at the moment submitting complaints to studentaid.gov with regards to several other Department of Education websites, prior. In hopes of having them address my financial concerns as a student and working person here in XXXX New York. Can you assist me in postponing payments and become eligible for a payment plan through Nelnet XXXX? If so I would appreciate hearing back from your XXXX website and any additional questions you might have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Account information incorrect

Complaint:
I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These XXXX consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to XXXX different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX 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 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had all my loans under XX/XX/XXXX for almost 4 years, and then XXXX hits- all repayment pauses. After graduating from my educational program, I realized that have loans under the new plan " SAVE '' and a few other loans for some reason not under SAVE and in standard repayment instead. Called Nelnet and took 3 hours each time to get to the customer service. When asked why my loans are under different plans, they can not provide me an answer why and only told me that I can not change my plans under grace period. My interest is accumulating at the rate of almost XXXX per month. I really needed help. I had to re-applied for SAVE, and my application is already processed in XXXX XXXX, but until today ( XXXX XXXX XXXX ) Nelnet still says that my application is pending. Calling Nelnet has been a pain, no one is able to pick up calls and have to be on hold for 3-4 hours to get to speak to an representative. Even if I am lucky enough to speak to one they are not able to answer any of my questions. I think this is illegal/ incompetent if a financial institution is unable to answer my questions, that I can not communicate with about my repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Frontline Asset Strategies, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Frontline asset strategi is attempting to collect on a XXXX XXXX and XXXX and XXXX are all in violation of 15 uscode 6802 the gramm leach bliley act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 XXXX  Account 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 XXXXXXXX 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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX  and do not have a contract with Midland Funding LLC. They refused to provide me with the orginial application like I asked and continued to report a negative account to XXXX, XXXX and XXXX. On XX/XX/2018 ; Midland Funding LLC began to report a balance of XXXX on my credit report. I disputed this account with XXXX and explained that I did not have any account that reflected this bank or this amount owed. Midland Funding then decided to update the balance on the account to {$1800.00} and reported the dispute as resolved and the dispute was closed. I disputed this account again for ownership and asked the creditor to validate the debt with a signed copy of my application to this company or the pry contract, the company provided neither documents. Instead, Midland Funding verified the debt as accurate and no further changes were made to the account. I do not acknowledge this debt and request that it is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please don't ignore my request to correct the following : XXXX 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

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 2023-09-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting 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 problem is that they are direct violation 15 is code 1692 g. # 2 never received a letter describing to me the validity of there debt # 3 never received written permission from me # 4 I never received a dunning letter on my credit report before they reported it which is XXXX  dollar violation fcra they never got permission to discuss my files from the original creditor which is a privacy code violation they are reporting stuff negatively which alone is a violation and without notifying me they XXXX XXXX {$930.00} XXXX yr XXXX month old debt XXXX XXXX XXXX XXXX XXXX  {$430.00} never was notified about this {$410.00} XXXX XXXX all these never received anything in writing from Lvnv

Company response to consumer: Closed with explanation