BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized Hard Inquires on my reports : on XXXX : XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on Transunion : XX/XX/XXXX 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 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX XXXX 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked for these addresses to be removed and or deleted from my consumer report because they are non mailable addresses XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 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 2023-11-21
Company: Nelnet, Inc.
State: CA
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 XXXX quality control over its auto-payment infrastructure and undoubtedly has already caused hundreds if not thousands of borrowers significant financial hardship. 

My loans were transferred to Nelnet without my consent ( another issue for another time ), and Nelnet has been incompetent in maintaining my auto-debits. The first issue is that the auto-debits amount changes every month. This means that, in order for my desired debit to occur, I have to go into their outdated and under maintained website to adjust my debit amountdefeating the purpose of an auto-debit. 

Significantly more troubling, however, is the inability to maintain a consistent auto-debit date. To begin, the only way to adjust the debit date is to call the company. The last time I called Nelnet for this purpose I was on hold for over XXXX and a half hours. I have also tried contacting them via e-mail to adjust the date but have never once received a response. I was able to adjust my auto-debit to the correct date over the phone and it was properly taken out for exactly XXXX month. However, immediately after this payment, the auto-debit date reverted back to the original debit date, which was later in the month resulting in XXXX debits occurring in the same month. Mind you, I pay over twice my minimum payment each month, so it is not an issue of me underpaying. 

While I am fortunate to be able to afford to pay for their utter incompetence, lack of basic customer service skills, and in likelihood fraud ; many families around the country are not. It is my genuine belief that Nelnet is a fraudulent company, and I believe that further investigation into their predatory practices will uncover more sinister schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Amsher Collection Services, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Someone, whom I don't know, used my Social Security Number, and created an Internet Account in XXXX since XXXX. 
XXXX never contacted me until XX/XX/XXXX when they sent me a letter charging me {$42.00} whose account was XXXX, in the name of XXXX  ( THAT IS NOT MY NAME ). I called Customer Services, filed a complaint and they agreed to investigate what happened. On XXXX XX/XX/23 I received a letter again with the same account, charging {$54.00}, informing me that Telephone XXXX XXXX XXXX had been suspended and that I owed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX That same day I contacted XXXX XXXX XXXX XXXX XXXX  created claim # XXXX. Valid to date... 
On XXXX I received a call from the company AMSHER COLLECTION SERVICES charging me {$53.00} Account. No. XXXX, type : XXXX XXXX. 
Thus creating a negative note on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an business account for my medical office XXXX XXXX XXXX XXXX XXXX. in Chase bank. I wrote a check {$120.00} ( XXXX XXXX XXXX dollar XXXX/XXXX ) on XX/XX/2023 to XXXX XXXX  XXXX. Some one stole the check from post office and washed out the check, changed amount to $ XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and paid to XXXX XXXX XXXX XXXX 
Chase paid {$7600.00} to XXXX  XXXX XXXX client ( XXXX XXXX XXXX ). I made a complaint to chase bank, but not getting my money back. 
Chase informed me they are waiting for XXXX  XXXX XXXX to response in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: CA
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 do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. 

JPMCB CARD Inquiry date 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 Other accounts Total balance : {$7600.00} XXXX XXXX POTENTIALLY NEGATIVE Balance {$7600.00} Balance updated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Paid up my XXXX account but got missed payments for 2 years

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 2023-09-30
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX I received a letter from Wells Fargo that requested, I change my home address to my physical address. I reside in an area, that is not served bt the USPS and we all have po box es. I changed it to a private address, that functions as a mailbox. After several weeks I received a similar letter, now threatening me, if I didn't change my address to my physical address, I would loose online account access. This is when I walked into the XXXX branch, showed them the letter, and asked why they were doing this? I also explained, that I had previiously had issues not receiving my bank cards, because they had send it to my physical address. The banker told me, that they had orders to request the physical address due to new laws. When asked which laws he referred to, he said he was not allowed to tell me! Could you please help me rectifying this? 
Sincerely 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 explanation
Consumer complaint received 2023-12-17
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A collection agency under the name " Southern Management '' is reporting two incorrect " past due '' debts on my credit report. One debt is reported to my credit under account number # XXXX for {$730.00}. The second is being reported under account number # XXXX for the amount of {$3400.00}. 

These debts have been damaging my credit report for years and to date, this company has not been able to validate that these are even my accounts. My credit report indicates that the original creditor for the {$730.00} debt is an apartment community named " XXXX XXXX '' and the {$3400.00} debt is another apartment community named " XXXX XXXX  ''. I have personally contacted both of these apartment communities and they have no record of any debts owed for these amounts. 

Prior to reporting, I received no written notice that Southern Management were placing any debts on my credit report. In XXXX  and over the course of the year XXXX, I have been working with the credit bureaus to remove incorrect collection accounts from my credit for debts that can not be verified. Through direct disputes with the credit agencies, I have requested that Southern  Management provide proof of the debt that they claim I owe them. To date, I have not seen a single document provided to me by Southern Management, XXXX XXXX or XXXX XXXX showing any signed agreements validating that I owe them this money. 

In retaliation to my disputes, Southern Management continues to report these debts to my credit report and has aggressively increased their efforts to collect these debts. I was recently contacted by a former employer who told me that Southern Management Systems was searching for me to pay off this debt and seek legal action against me. I was told that they are now threatening to sue me to collect on this debt. I can not believe that this company has now gone so far to contact my former place of employment to collect on this debt. It is bewildering to me that this level of abuse can continue unregulated when they have not been able to provide a single document of proof showing this debt is valid. 

I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. 

I refuse to continue to have my credit damaged, my good name smeared and my life ruined by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee RLE. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This creditor acceded my credit report and issued a credit card without my authorization and by not ensuring proper identity checks to prevent fraudulent opening of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/, I'd sent a letter to Chase about a denial application. I had asked isn't my application a promissory note? Which means you are committing securities fraud. Because you can take my application and can sell it to a third party, so I should not be denied. I had also told them that I'll be filing a claim. XX/XX/, I received a letter from the to call them to confirm the application was done by me. Next I called and my application was accessed even though they said I was denied being that my credit was bad. Then I'd received a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I hope this message finds you well. I am writing to bring to your attention a concerning issue related to a negotiable instrument ( 3-104 ) that I issued to Chase on XX/XX/2023, with the expectation of prompt and secure handling. 

Regrettably, I have been informed that my payment, sent in good faith, has been misplaced by your institution. As of XX/XX/2023, when Chase received the negotiable instrument, it came under the purview of the Uniform Commercial Code ( UCC ), specifically sections 3-309 and 3-312.

Under UCC 3-309 ( 4 ), when a claim becomes enforceable, the obligated bank, in this case, Chase, is obligated to pay the amount of the check to the claimant if payment has not been made to a person entitled to enforce the check. This, however, is contingent on the condition that the claimant refunds the payment to Chase if the check is paid or pays the amount of the check to the person having rights of a holder in due course if the check is dishonored.

Additionally, UCC 4-302 outlines the payor bank 's responsibility for the late return of an item, holding the bank accountable for the amount of the item if it is not settled for or returned by the midnight deadline.

Moreover, considering the provisions of UCC 3-303, it is essential to emphasize that the negotiable instrument was issued for value, meeting the criteria outlined in subsection ( a ), specifically ( 3 ) " as payment of, or as security for, an antecedent claim against any person. '' The obligation of the acceptor, as defined in 3-413, further underscores the responsibility to pay the draft according to its terms at the time of acceptance, or as varied, to the extent owed to a person entitled to enforce the draft.

Given the circumstances outlined above, I am compelled to express my concern that this situation may be indicative of a potential securities fraud matter. I believe it is in the best interest of all parties involved to address this issue promptly and rectify any discrepancies.

If this matter is not handled in a timely and satisfactory manner, I may be compelled to escalate this concern to the Securities and Exchange Commission ( SEC ). I am hopeful that we can resolve this matter amicably and promptly to avoid any further escalation.

I appreciate your immediate attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that COMENITY BANK didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

COMENITYBANKXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a credit card debt which was for approximately {$350.00} I was garnished for {$870.00} by Midland Credit Management. I was informed that the total with fees was {$910.00}. This was in XX/XX/XXXX on the XXXX I spoke with XXXX XXXX. I was informed that all monies withheld after the garnishment release would be returned to me the defendant it was not. It was returned to my employer in a untimely manner. The release is dated XXXX XXXX I received a payment from XXXX XXXX of funds that had still been sent to the company after this date. XXXX states that payments received were {$1000.00} my check records shows {$2000.00} was sent to them. I have yet to received the excess money paid to them. As I have spoken with the XXXX XXXX  for XXXX the last week in XXXX. I have received all monies returned to them. Several checks were sent to them after the case was supposedly closed. The garnishment release stated these monies would be sent to me the defendant with the exception of the XXXX check for {$180.00} all other monies due and owing was sent to XXXX XXXX. Meaning, I had to wait for it to clear their bank and then they cut me a check. The last one from them being dated XX/XX/XXXX for {$390.00}. This is the total of XXXX out of the XXXX checks that Midland received after the garnishment case was CLOSED, which now they claim they haven't received {$2000.00} in total. This seems to be tactical intended to cause frustration and financial deprivation to the defendant with no consequence to the plaintiff Midland. Only causing financial harm to me the defendant. At this point there is no excuse for the untimely manner in which this was handled. From XXXX to the present they are still issuing out the overage in minute increments. Another check was issued on XX/XX/XXXX for {$12.00} to XXXX and not the defendant. Why? To delay return of funds and tactilely withhold money that was received and punish the the defendant, myself. This could have been solved amicably with the plaintiff, but it was not possible to have a civil conversation with the collectors. The was paid within XXXX weeks we could have negotiated a payment agreement if communications was not lacking. My income was not lacking to pay the debt but civil conversation was not to be had when collectors take an accusatory tone and attitude and one can not gain clarity with an argumentative individual. At this point I am owed a balance of {$510.00}. The company/Midland  has XXXX lied and said they only received {$1000.00} the records I have beg to differ. There are still XXXX outstanding checks period.

Company response to consumer: Closed with explanation