BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in 2016 any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by PORTFOLIO RECOV ASSOC. While checking my credit report, it came to my notice that PORTFOLIO RECOV ASSOC has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by PORTFOLIO RECOV ASSOC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX 

Any further contact by your Agent or PORTFOLIO RECOV ASSOC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: IA
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:
In XX/XX/XXXX my Best Buy credit card was charged a XXXX fee. When I got the statement in XX/XX/XXXX I immediately disputed this charge. My credit limit was 6,000 and I did not owe a balance and had not used the card in over 13 months. 

Three months later Im sent a letter stating that the dispute department deemed this charge to be mine. When I called I asked for a receipt with my signature for them to produce and once they do I will happily pay the XXXX charge. To date they have never produced such a document, I then called the credit card customer service number and the representative indicated that I call the merchant directly. I called the merchant and they provided my credit card a pro-rata refund of XXXX dollars. I then notified Citi XX/XX/XXXX that the XXXX charge was fraudulent and they needed to either dispute it with the merchant or again send me a receipt with my signature on it. I heard nothing until I came today ( XX/XX/XXXX ) and they sent me a letter stating they reduced my credit limit from XXXX to XXXX dollars and the second letter was a statement saying I owed XXXX as they charged me a late fee and interest when I never got a billing statement in XX/XX/XXXX or a receipt with my signature on it. 

I called them today and spent 3 hours on the phone filing yet another dispute that I filed for a second time on XX/XX/XXXX and refused to waive the late fees and interest as well as reinstate my credit limit of {$6000.00}. They also reported me 1 time 30 day late with the 3 credit bureaus ( which I filed disputes with them too ). I yet again advised that if they provide me a receipt with my signature on it for the original XXXX dollar purchase I would happily pay them. The supervisor advised that she had to reopen my dispute from XX/XX/XXXX. 

Its perplexing to me that I had to fix the initial fraudulent charge and Citi can not honor their fiduciary responsibilities by protecting me from fraudulent charges to which I never made and they can not produce a receipt with my signature to prove their claim that I made this initial transaction on a card I had no balance on and paid off each month ( the last time I used I bought 900 dollars of stuff ). They also tell me they can not fix my credit balance and that I would need to reapply with them for credit to get my prior credit limit and then to threaten me with collections if I did not pay the late fees and interest on a charge I never made and had to fix as they did nothing.

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

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 2018-01-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer FROM Coinbase TO XXXX XXXX on XX/XX/XXXX, for {$14000.00} withdrawing money from Coinbase. 

Coinbase has sinced processed 2 wire transfers FROM XXXX, but has not processed my outgoing wire. The support team has not helped me on this issue depsite repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls from port folio recovery even after being told to stop as well as telling them the person they are calling for is not here ( wrong number )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice from Common Wealth Finance on XX/XX/XXXX the notice stated they were collecting on debt in the amount of {$1200.00} for XXXX XXXX. The notice stated I had 30 days to file a dispute if I believe the debt is not my debt. I filed a dispute and sent it certified mail the collection agency received the disputed on XX/XX/XXXX. The collection agency did not allow me the 30 days to respond to the notice they sent the collection to be added to my credit report to all 3 credit bureaus. XXXX updated my credit report on XX/XX/XXXX, XXXX added this collection to my credit profile on XX/XX/XXXX and XXXX added this collection to my profile on XX/XX/XXXX. This did not allow me the 30 days to respond to the notice. I sent a notice requesting debt validation which was received by the collection company on XX/XX/XXXX as of today XX/XX/XXXX I have not received a debt validation response. I contacted Common Wealth Finance on XX/XX/XXXX inquiring about he response. I spoke with a representative named XXXX who verified they had received my request on XX/XX/XXXX and they were unable to provide me with he validation information I had requested. XXXX stated Common Wealth Finance had sent 2 request to their back office to send have the validation information mailed to me however she had not seen notification in her system that the response had been mailed to me. I also informed XXXX the company violated the FCRA when they did not allow the 30 days for me to respond before reporting this debt to the credit bureaus. XXXX stated the debt was not reported until XX/XX/XXXX which is incorrect according to my credit report notifications. XXXX stated this was an error created by the credit bureaus. XX/XX/XXXX I contacted XXXX, XXXX and XXXX inquiring about this collections account being added to my credit profile. All 3 credit bureaus stated the collections company reported the account to be added to the account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX at about XXXX XXXX I attempted to withdraw {$100.00} from a XXXX XXXX ATM account located at XXXX XXXX XXXX XXXX in XXXX XXXX Florida located inside a XXXX XXXX convenience store. 
I used my American Express Serve Card # XXXX XXXX XXXX Exp XX/XX/XXXX in my name , XXXX XXXX. 
The ATM Delivered no money, however a {$100.00} debit appeared on my statement. I received the attached receipt indicating that they were " unable to Process This Trans At This Time '' ( See Attachment ) I contacted American Express 3 different times, the XX/XX/XXXX, the XX/XX/XXXX and the XX/XX/XXXX and all 3 times they stated that they were sending me an Email so I could dispute the {$100.00} charge to my account. I had them send me an Email so I could verify it. I searched all spam folders for anything from them and I have not received any email to dispute this charge. my Email address is XXXX. 
As of today XX/XX/XXXX I have not received an Email as promised and the {$100.00} charge is still in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: JPMORGAN CHASE & CO.
State: TX
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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from JPMC Auto Finance and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: BARCLAYS BANK DELAWARE
State: NY
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:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XXXX of 2019. it is still showing on my credit report. PLease fix this.

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 2022-02-10
Company: JPMORGAN CHASE & CO.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am self-employed ( sole proprietorship, I work as an independent XXXX ). I utilize XXXX accounting software, and XXXX partners with XXXX, a subsidiary of Chase Bank, to process credit card payments from my customers. On XX/XX/XXXX somehow a hacker accessed my XXXX account through XXXX and changed my bank account to their bank account. XXXX initiated a transfer of {$4900.00} of credit card payments to the hacker 's bank account. XXXX does NOT allow for phone contact, so although I attempted to notify them of the fraudulent bank account, it took them XXXX days through their email " support '' system to attempt to intercept the payment. By then it was too late, and I have now lost XXXX XXXX of my income for the year thus far. Neither XXXX nor XXXX has offered to provide any reimbursement, support, or help in this situation. I am not a large business owner with employees and large income, insurance policies, etc. I am an individual consumer who works for myself rather than an employer, and as such I appear to be stuck in a loophole whereby the banks are not legally required to provide assistance for the illegal XXXX. I did not knowingly do anything to allow access to the accounts - I had different passwords for every business account as a layer of protection. XXXX and XXXX advertise their payment processing services as " safe and convenient '', but due to accepting their advertising push and utilizing these companies ' services to process credit card payments ( rather than insisting on only cash from my customers ), I have lost a sum of money that has caused extreme undue hardship to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a settlement check from an attorney that banks with BBT XX/XX/XXXX for {$3800.00}. I took a picture of the check and deposited it into my XXXX account. I placed the check in a folder where I keep important documents. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and discovered the check was missing. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. On XX/XX/XXXX I received a copy of the check from XXXX. The check was deposited into a XXXX XXXX ATM XX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by XXXX and BBT. I went to XXXX police dept and filed a police report Case # XXXX. After investigating the incident the detective stated he spoke to the person that deposited my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. XX/XX/XXXX I still have not received my money back. I went to the XXXX XXXX branch today and spoke to the manager again. He contacted the attorney with BBT fraud department on conference. It appears that the attorney filed the proper documents to return my money, he was told BBT deleted the case because their clients acct was not compromised. They never sent any documents to XXXX XXXX. I do n't understand how BBT did not catch that the check was presented a 2nd time almost 2 months later. And how can you just delete a fraud case and not send any documents to the other party? I want this issue resolved immediately!!!! I have fallen behind on ALL my bills because of this. I want BBT to corporate with XXXX XXXX to return what is rightfully mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SIMONS AGENCY continues to harass me by reporting unknown medical debt to all 3 credit bueaus they add several small value allelged debts they hang up on you when you call them I have no knowledge of these bills this is obviously fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
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:
to many inquires on my credit report that im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: SYNCHRONY FINANCIAL
State: FL
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:
to many inquires on my credit report that im not aware of.

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 2022-02-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX Report Credit XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company XXXX XXXX XXXX  XXXX. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against XXXX XXXX for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

XXXXXXXX XXXX did not provide any answers. It is more than 60 days. 

XXXX XXXX even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

XXXX XXXX  is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.

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 2019-06-14
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
User Name : XXXX User name is no longer valid on the Experian website, tells me there is an error but this error seems to be ongoing 3 days later.

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 2021-03-10
Company: DISCOVER BANK
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) 1XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief