BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my debit card, credit card, and cell phone stolen on XX/XX/21 in XXXX, TN. In the early morning hours, the thief attempted to use my credit card at a XXXX, but the transaction was declined because it was recognized as fraud. However, the thief was able to find my PIN number in my phone, and pulled out {$1000.00} from an ATM over 4 transactions, and then spent {$2100.00} at a XXXX over another four transactions. I reported the fraudulent transactions on XX/XX/21 as soon as I noticed the fraudulent charges. Chase has denied my fraud claim because they said that I made my PIN available to the public, even though it was obtained through theft. I spoke with several different customer representatives, and they informed me that they could not do anything about it. However, I believe that I should only be held responsible for {$50.00} since I reported the fraudulent transactions within 2 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day o r two, bu t then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, tha t one of my payments had been listed as default of 30 or more days. I find it extrem ely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Lending Club Corp
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
At the time I applied at Lending Club for a {$20000.00} loan I was desperate, but did not fully understand the fine print, nor did I fully understand my payment would be $ XXXX/mo and they would only give me {$19000.00}. I am experiencing extreme financial difficulty currently and ca n't make the payments now and am afraid of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. I would like to file a complaint on XXXX XXXX XXXX XXXX XXXX in the amount of a {$300.00} XXXX XXXX XXXX This account is now showing on my consumer file as delinquent. I have tried on numerous occasions requesting validation of the debt, Added I Asked Debt Collector to submit Validation of Original Creditor and Debt Collector has not done so. Letter Attached. This debt has been removed and replaced on a few occasions and debt collector has never validated debt. I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. 
I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX XXXX cards/mail with which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass me. 

This Debt Collector has also been misleading, The Debt Collector sold this account to First National Collection Bureau Where They have Fraudulent called themselves a Bureau and they are not a Bureau. I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.

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 2015-09-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
In XX/XX/XXXX, I received, in the mail, an application from American Express for their credit card. On XX/XX/XXXX, I received an email stating AMEX was unable to approve my request due to my credit freeze on my credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and provided AMEX with my PIN and the agent informed me that she was successful in " unfreezing '' my credit file. The agent informed me that everything looks good and that I would receive a call back within XXXX hours regarding approval or status of my application. No phone call was ever received. On XX/XX/XXXX, I received duplicate letters from AMEX stating they could not access my frozen credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and was informed by AMEX that they in fact have my PIN, was able to access my credit file and apologized for the confusion on AMEX 's behalf. I was assured that I would receive a decision in 5 working days or on or before XX/XX/XXXX. To date, ( XX/XX/XXXX ), I have not received anything from AMEX regarding their decision. I would call AMEX a XXXX time and provide my PIN but I am reluctant because I sense evasiveness and a lack of transparency from AMEX. I had no choice but to contact CFPB and attempt to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX debt for XXXX that is paid in full and on time. On credit report

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 2021-07-28
Company: Professional Receivables Network
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently got my credit report because I notice that my credit score had dropped and I was wondering what was the cause. I noticed a collection that I wasn't familiar with.

A couple of days later I got a call from this company. They place this collection on my credit before they even had a conversation with me to even see if this was my debt. 

A few days after that I got a letter in the mail. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I called bank of america to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from bank of america. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Bank of America put a hard pull on my credit report after stating over and over again that it would not be a hard pull

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted to Equifax on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX Hospital they received it and put a fraud alert in my report. In XX/XX/XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report.
I received a letter this data was verified and I sent a letter saying tell me how you verified it when I know for a fact I have never been to this hospital and do n't even know where it 's located.
I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX ( duplicate pull ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am an XXXX man and a victim of a scam. I found out when Wells Fargo accepted a deposit in my checking account for an unusually high amount. Even though it was a large amount in the deposit, Wells Fargo did not put any hold on the deposit. So, I then sent XXXX wire transfers for the same amount that was deposited and that WF did not hold. Perhaps Wells Fargo should have exercised due diligence before accepting the large deposit. 

So, on XX/XX/XXXX, I received an email from Wells Fargo indicating they were closing my account. I called the Wells Fargo Fraud division and didn't get any cooperation about the Direct Deposits for XXXX of my SSI, XXXX XXXX and XXXX XXXX XXXX and Wells Fargo apparently is taking my XXXX retirement funds and applying them to the negative balance on my checking account. 

After being with Wells Fargo for more than 30 years, they have no problem taking my financial means of living for XXXX. 

I would like Wells Fargo to at least return my direct deposits for XX/XX/2022 so I can live.

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 2021-07-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent in a bank check for XXXX ( last four digits of account number written on check ) and a payment stub to Barclays on XX/XX/XXXX. The check was received by Barclays and payment was made by my bank to Barclays on XX/XX/XXXX. I first called Barclays on XX/XX/XXXX to inquire why the payment was not applied to my account. An investigation was opened at Barclays and I have since not been given any acknowledgment that my payment was received despite giving them a copy of the cancelled check from my bank. The customer service reps give me vague boiler plate answers telling me a resolution will come within 2 billing cycles!

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 2016-09-29
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out private student loans when I was in college. My grandmother was the co-signer. She got down and ill and passed away and all the student loan debt fell on me. I just could not afford to pay it. I 'm a mother of XXXX children living pay check to pay check. My student loan debt is more than my salary. I went to college to try and get out of property, but now I 'm just another person in property with a XXXX degree. This bondage has to be removed. Now my wages are being garnished and I do n't have enough money to provide for me and my kids needs. Please help. There has to be better way to handle this student loan debt. I want to pay them, I just can not pay that much at this time. I 'm being garnished almost {$700.00} a month. This is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX XXXX , OH XXXX Transunion  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.

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 2016-11-18
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it concerns, I have tried to pay the mortgage in full to this company. Their lawyers wo n't return my messages. In addition, instead of taking the money they have left threatening notices to change the locks on the doors and sent me a text message threatening me with eviction. I would like to speak with someone ASAP. 
It 's about money, right? Here it is then. 
Thank you, XXXX ) The Full name does n't fit in the required placement. 
It is Wilmington Trust, National Association XXXX Ny XXXX Aliases : NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR 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 2015-05-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Nelnet, Inc.
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: Account status incorrect

Complaint:
Nelnet, Dept of Ed/Nelnet,    XXXX   XXXX   XXXX   XXXX  ,  and   XXXX   XXXX   XXXX   have been on my report original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since   XXXX  . They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since   XXXX   and they put letters in later that are not clear that do not make sense since I did not pay anything   XXXX   until recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  Nelnet  and  XXXX  by  XXXX   XXXX    XXXX   in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  Nelnet  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached   XXXX    XXXX   XXXX  paid off all loans in excellent condition  ) ( See   XXXX   XXXX   Nelnet  letter states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )

Company response to consumer: Closed with explanation