BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Securus J Holdings, LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have a friend who is incarcerated and who sends mail occasionally to my residence. I went in through JPay to refund him for the stamps that he has recently used and will use, because obviously he can't afford it on his own due to the wages paid within the penal system. I entered {$20.00}. The system ran the payment for {$200.00} and charged a {$4.00} processing fee. Their system never notified me prior to charging the fee. Moreover, there was no notification asking me to confirm the dollar amount prior to processing. This is completely atypical for payment processing. I've had other problems with JPay as well, but this is the most egregious mistake. There is even a recent article suggesting the state of NY is planning on dropping them for predatory behavior. I've told my friend that he doesn't need to refund me and just to use the stamps for future mailings since he does a lot of mailings through XXXX outreach programs, but I know he is going to arm wrestle me into taking it back. Regardless, the CFPB really should address this problem with JPay. I've also filed a BBB report, but they do not answer their complaints and their BBB file has an F rating. I've also filed attorney general complaints with the state of Kansas and Florida. I'm sure they believe they can get away with the behavior because most incarcerated individuals and their families have limited education and do not understand consumer protection at all. The problem is I do not have a limited education. I am very consumer protection aware. I have XXXX XXXX degrees and XXXX minors. I also hold XXXX research certifications. I graduated from the XXXX XXXX XXXX with honors. JPay has a lot of other problems as well, but this is the only problem that falls under the jurisdiction of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: MD
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:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to complete the process to get a home loan through the XXXX program and the counselor assigned to my profile is unable to pull my credit reports due to federal legislation. The error code is XXXX XXXX and it is indicating that consumer requested security freeze on file. The credit freeze was removed on all 3 bureaus on or around XX/XX/2023. As of XX/XX/2023, the counselor is still unable to pull my credit reports and scores due to credit freeze on the account that all 3 bureaus is telling me does not exist. I have called a 3 multiple times and none are frozen but clearly they are all still frozen since my counselor is getting this error message.

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 2019-07-31
Company: EQUIFAX, INC.
State: NJ
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'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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:
In 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. 

Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: FinCo Services Inc DBA Current
State: TX
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:
On XX/XX/XXXX of 2023 at XXXX Central time my account was hacked into by someone in Florida, I live in Texas and never visited Florida in my life, they changed the password, changed my spending limits, changed my pin number, I was unable to access my account, I was unable to get any help from the company until the morning. I got access back to my account, but over {$900.00} was missing, I managed to recover around {$300.00} of it back but the company blatantly refused to give me the rest of the funds back from the fraudulent actions. When I discussed this with them, they basically told me that I was just out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans union is reporting fraudulent hard inquiries on my credit profile. When I spoke with 4 different agents over regressing this matter. And I was insured that the fraudulent hard inquiries would be removed .its a know fact that my data and personal information was compromised by XXXX  XXXX breach. If this is not fix asap no more then 5 days I will explore my legal options I will be filing a fedral complaint with my states attorney office as well. Trans union has consistently violated my rights of being a victim of identity theft and they wi be held accountable in the court of law if the following unauthorized inquiries is not removed. In less then a week attached to this complaint is documented affidavit from the federal trade.

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 2022-12-23
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Receivable Management several times direct and through credit bureaus to dispute accounts listed on credit. Accounts listed are in violation of HIPPA. I have requested verification several times and only information received is verification. When submitting dispute with bureaus dispute letter, ID verification was submitted and it has been times when company never responded and others just verified. I have faxed company directed dispute letter as still no validation was sent and company completed violated per HIPPA. I never signed or gave authorization. Please have accounts removed from credit reporting per violation of HIPPA. ) {$420.00} and {$260.00} are the two amounts reflecting on my credit in ERROR!

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 2018-04-26
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This involves satellite service to a rental property I owned. Original complaint was from " XXXX ''. XXXX tenant moved out and XXXX went after me as I originally co-signed for the service, however, XXXX allowed the renter to increase the service and also let her slide for a period of time, increasing the amount owed. I also never received the bills as the tenant notified them that she was the billing party. XXXX made a lot of money on this account for many years and easily could have written this off as a promotion opportunity as this account never would have existed except for my kindness and this is the way they treated me!. XXXX then sent this bill ( about {$91.00} ) to Diversified Consultants IN. They accepted about 1/2 the amount owed and I figured even though I was not the party they should go after, it was better to pay it then have my credit affected. Diversified said they would accept partial payment as " payment in full '' and would remove any negative credit in return for payment. ( Including paid collection accounts! ). It is insane to think they have seriously damaged my credit rating for a less then {$91.00} dollar bill. ( by the way, the bill increased because of late charges etc. ). I ask that they remove this negative credit blemish and maybe I would consider getting service once more from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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

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 2020-03-10
Company: DISCOVER BANK
State: UT
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:
Discover # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my TransUnion credit report. XXXX XXXX Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada 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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my SECOND request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. 
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

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 2022-12-23
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 a letter was sent directly to CB Indigo and FEB Destiny. These companies are also known as XXXX XXXX XXXX XXXX. The reason I originally contacted them is that I have two new collections from the same company. Now I have a total of XXXX negative accounts which should at best only be XXXX accounts. I requested a second time and was closed immediately and no resolution nor a response on why it was denied. In the end, I am requesting the removal of account CB Indigo and FEB Destiny because they are already being collected from a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Was not notified of investigation status or results

Complaint:
I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) Acct # : XXXX Please delete and remove this account and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 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 explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-12-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The bank find all excuses and do not releasing transferring/wire my money for the second year! 
And they keep giving me stupid reasons To keep my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete these inquiries XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX 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