BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A card was opened my name in 2012 at XXXX XXXXXXXX now portfolio recovery associates has the debt. I tried many times to dispute the account even a police report but they keep reporting a debt that was never mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
On XX/XX/2023 I visited a pumpkin patch with my XXXX XXXX. The merchant was to charge my card {$73.00} only once. The merchant stated their payment terminal was not working and ran my card 3 times. I opened a claim with Barclays for the 2 unauthorized transactions, however the case was closed as the merchant provided 2 signed receipts. I did not sign any receipts ( merchant forged signature ). Still, Barclays is denying claim. Barclays is not protecting the consumer as per Regulation E.

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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX has continued to use unfair debt collection practices. I have proof that you purchased my personal and private information from CAPITAL ONE. You have assumed responsibility for this alleged debt. I am requesting documentary evidence pursuant to 15 usc 44. I need my 1099-C a document crucial for the Cancellation of Debt for this charged-off/collection account. It is imperative to recognize that under the law, creditors are legally obliged to provide IRS Form 1099-C when canceling a debt. This form plays an essential role in tax reporting, enabling individuals to accurately report and comprehend the tax implications of debt cancellation. The absence of this form in my case constitutes a severe violation of federal tax regulations.

One of the most troubling violations pertains to the deceptive nature of the letters I have received from XXXX XXXX XXXX. These letters were sent with logos prominently displayed on the outside of the envelopes, a practice that clearly contravenes established debt collection regulations 15 usc 1692b ( 5 ). Furthermore, the content of these letters contained threatening and obscene language, which is both unlawful and wholly unacceptable. Your company has continued to threaten me with legal action on an alleged debt. I I have meticulously documented these violations and am fully prepared to provide evidence in arbitration proceedings. 

Failure to comply with these demands within the specified timeframe of 14 days will leave me with no choice but to take official action by filing IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. This letter serves as my final attempt at resolution before initiating arbitration proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have for months been trying to get my consumer report AND FILE from transunion, I have requested it by mail and not received it, the only time I have received copy is when disputing something, which as of this point theyve made it extremely difficult because I cant access my report online through annual report or on Transunion site, and when Ive called they cant verify my identity based on my answers. 

Please help me with my request, this is frustrating and causing me stress, I have things that need to be addressed on their reporting and its not allowing me to.

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 2023-11-19
Company: Nelnet, Inc.
State: FL
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:
Nelnet has, on multiple occasions, denied/cancelled/returned my student loan payment, under the guise of my bank account having " insufficient funds. '' My bank account has been in good standing each time, as the account used IS ONLY used for student loan repayments and nothing else. A quick search on the Internet confirms that this is not isolated to just myself, and that many have suffered the same problem ( payment returned and interest added despite bank account being in good standing ). Nelnet also has an auto chatbot that does not connect a client to a representative, and only refers to the collected FAQs that do not assist with individual cases. The same can be said for their email and phone support. Nelnet is conducting shady business practices and should be thoroughly investigated for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I've had a mortgage with Bank of America for thirty years now. i got my monthly mortgage amount for XXXX and it was {$110.00} more a month than the previous month. I called and they said my taxes went up. My taxes only went up {$150.00} for the year. but they are charging me {$1300.00} for the year, saying there was an escrow shortage. They said they would look into it and reevaluate. I got an email back saying the new amount would be {$110.00} more a month or {$1300.00} for the year. This doesn't add up. Can you please look into this issue? 
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 explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Self Financial Inc.
State: IL
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 XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also Self lender as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

Line XXXX XXXXXXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: MUSA Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bad business practices- I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager ( s ) directly ; XXXX  legal documents, new ID card, copy of SSN card, emailed and faxed docs. And, the results are always none of the information was received. The very reason I chose to get away from this company MUSA/XXXX  , The vehicle was PAID IN FULL in XX/XX/XXXX ; XXXX. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company many times on this issue ; to reflect the correct balance of the est. $ XXXX + instead of a diff amount of $ XXXX. I called the credit bureaus, it shows there is no record of the company ; business started in XX/XX/XXXX, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES ( XXXX XXXX ) REFLECT WITH XXXX. 

As of XX/XX/XXXX, I called XXXX and the account was closed/deleted for XXXX, which is still incorrect. Deleted all reporting history from XX/XX/XXXX, as if it never existed on the report. XXXX advised It does not reflect on the credit report. XXXX also advised because of this type of status, it will need to be re-added, then another dispute can be filed. The company/XXXX  tells me to wait and there is nothing more they can do and its on XXXX. XXXX stated it is NOT their issue and it needs to be corrected by XXXX/MUSA/XXXX/XXXX, whoever they are today. - THERE HAVE BEEN MANY NAMES. This company has not provided a paid in full letter, received a XXXX payoff from the dealership. They made attempts to block my number from calling customer service at XXXX and No response from the escalation requests. Outcome : TO CORRECTLY REPORT THIS INFORMATION TO XXXX WITH THE CORRECT BALANCE AS PAID. THIS IS THE ONLY BUREAU THE COMPANY REPORTS. Attaching the XXXX  company response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: LA
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:
After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX XXXX has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX XXXX explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots attached!!!!

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 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX customer service. I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo took overdraft fees between XXXX and XXXX when I was supposed to be signed up for overdraft protection. They also didn't close my account in XXXX, and notified me it was still open when I tried to create a new one in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-11-19
Company: Incomm Holdings Inc.
State: TX
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:
This card was gifted to me by my employer. When I opened the card the last half of the card numbers were scratched off the front of the card. I tried to use the card in store but the card is declined because the mag strip on the card does not work and the card reader does not pick up the card when swiped. I can not use the card online because I do not have the missing card numbers. I can not even check the card balance online due to the missing numbers. I contacted the card company Vanilla Gift Cards and told them about the issue. The representative asked me to send in personal information such as photo copies of my ID cards home address etc. I find it hard to send this sensitive information to this company when there is a history of fraud. I also told the representative I have a copy of the receipt when the card was purchased and would have no problem sending that along with copies of the card to them for proof of purchase. The representative told me there would be a case opened to investigate but it was unlikely this issue would be resolved. So I now have a {$150.00} gift card that can not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX thought it was my bank and gave XXXX info acct #, exp date, sec code #. XXXX account was frozen until info was submitted. Then I realized later it was not my 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 2021-03-18
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Nelnet, Inc.
State: WI
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:
Auto debt was not completed. As such, the payment was deemed delinquent. 

Switched payment method to manual to avoid the aforementioned issue. Now, the " Amount Due '' this month remains unchanged after multiple payments ( equal to and greater than the balance ) have been submitted and processed. 

Specifically, Nelnet listed a monthly amount of {$310.00} due by XX/XX/2023. 
Payments have been submitted as follows : XXXX : Paid and processed {$310.00} - Amount due remains {$310.00} XXXX : Paid and processed an additional {$310.00} - Amount due remains {$310.00} XXXX : Paid and processing an additional {$310.00} - Amount due now {$880.00} I have paid XXXX the original amount for this month. However, the amount I owe has neither zeroed nor decreased. Rather, it has increased. 

Nelnet has been unreachable by phone and email.

Company response to consumer: Closed with explanation