BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
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:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX XXXX -XXXX  XXXX -XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX -XXXX  & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX XXXXXXXX -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 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 2022-05-14
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi. I am going to copy and paste the necessary information along with a summary of my situation. 

In XXXX, my card was used for multiple fraudulent transactions online. Some of them were connected to XXXX and my card. I live in a different country than the United States. Soon after the charges posted my Charles Schwab account and I noticed, I immediately called the bank to tell them about the fraud.

Of the 8 charges that were fraudulent that I notified them about, they only created a case for two of them, and instead of being marked as fraudulent charges, the cases were marked as basic payment disputes.

I was told that it could take 45 days to investigate. After over two months with no notice, I contacted Schwab and was told that they closed my cases because I did not provide more information for their inquiry. I was never contacted by Schwab, and I therefore could never provide more information to them. This is also when I learned that they only filed 2 cases for charge disputes.

I am not just disputing these charges ; these charges are fraud. I did not benefit from these transactions. Someone used my card on the internet without my consent, and bought items and services that I did not utilize. All of these services and items were US based. To repeat, I do not live in the United States currently or when these charges were made.

I have contacted Schwab at least 4 other times to correct this issue. I have stopped calling them because I live in a different country, and I want proof in writing of my correspondence with them. They are not understanding or responding to my fraud case and it has almost been 6 months exactly since I have contacted them. 

The charges are : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection agency Midland Credit Management has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. 



Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. 



This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 3 times {$3000.00} 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 4 times {$4000.00} - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number 3 times {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: GOLDMAN SACHS BANK USA
State: NY
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:
I placed an order using my Apple Card with a merchant on XX/XX/XXXX in the amount of {$310.00} The order never came despite the tracking showing it was delivered inside of my mailbox despite the fact that my mailbox wouldn't be able to fit any sort of packages. I then had proceed to contact the merchant for support which they didn't hence why I initiated a dispute with Goldman Sachs on XX/XX/XXXX as the merchant wasn't doing anything regarding my missing order or providing support. Faster forward a month on XX/XX/XXXX I get an email saying the dispute is resolved in the merchant favor due to the " evidence '' provided by merchant proving I made the purchase. Here 's one of the first thing that is off as I never opened the dispute due to a fraudulent transaction or unrecognized charge but for my order never arriving yet Goldman Sach claims this to be their reasoning to closing the case. I then reached out to Goldman Sach furious about this for a response and was told the case would reopening the following Monday ( I'm providing chat history and other relevant documents to prove these claims as well ). Anyway after this I followed up and then this agent now instead tells me he can check if it could be disputed, backtracking on what I was told earlier and being mislead and said he would if it could be disputed. Shortly after he says it can be disputed and I would be contacted with a response. As you guess I never was contacted with any response and had to follow up myself TWICE regarding this and had gotten a new different response from what I was originally told and now was being informed I can't reopen the dispute since it was " resolved '' basically misleading and lying to me for the past couple months. I've also repeatedly asked for the evidence used in their determination of closing the case as I have the right to see these under the Fair Credit Reporting Act yet they've been neglecting on providing me on such documents so that I may not dispute it any further purposely. 

In the end I was constantly lied about the case being reopened, never had a clear communication with Goldman Sach, never got the item I paid for and being charged fully due to Goldman Sach incompetence and sheer ignorance with the matter, closed the case on a completely different issue that I never expressed towards, the agents don't ever tell me their names and finally they never provided the evidence that was used in this case as they should have under Fair Credit Reporting Act. I've forwarded to the Goldman Sach a documentation and the tracking of my issue and they never even bothered to do anything about that either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: FISERV INC.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Fiserv is a service provider for XXXX XXXX. I have a checking account at XXXX XXXX. I have a separate checking account at another institution called XXXX XXXX XXXX. I am a named account holder on both accounts involved. Using XXXX XXXX  's bill pay system, there were scheduled transfers from the XXXX XXXX XXXX Account, to the XXXX XXXX  account. This was to make paying a mortgage held by XXXX XXXX  easier. On XX/XX/XXXX, I closed the XXXX XXXX  checking account via phone. On XX/XX/XXXX, after the XXXX XXXX  account was closed, Fiserv debited my XXXX XXXX XXXX {$2000.00} to transfer to the now closed bank account at XXXX XXXX. As this account was closed, XXXX XXXX  has no record of this money being transferred, as there was no account to transfer it to. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX who told me to dispute the transaction via their online account management which I subsequently did. The money was posted back to the XXXX XXXX XXXX account as a return on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Fiserv ( and subsequently a letter in the mail, also dated XX/XX/XXXX from Fiserv ) indicating they were attempting to collect on a debt for {$2000.00}. On XX/XX/XXXX I called the listed number on this letter and after explaining the situation that Fiserv did not credit {$2000.00} to my XXXX XXXX  Account ( because the account is closed ), they could not debit {$2000.00} from the XXXX XXXX XXXX account and thus it was disputed. I was continually told by the representative I owe {$2000.00} to Fiserv ( even though Fiserv did not pay this {$2000.00} to anyone, because there was no open account to deposit to ). I was then told that the debt was sent to a collection agency because I refused to pay. They refused to tell me what account the money was supposedly transferred to and offered no further recourse other than to pay or go to collections. I have all the documents indicating that I am the account holder on both ends of this supposed transaction and that no money was ever credited to an account by Fiserv, only debited ( and subsequently disputed ). So I am being sent to collections for a debt that is not owed to anyone, and there is no missing money. I was offered no recourse other than collections by Fiserv, and was notified by their representative of being sent to collection on XX/XX/XXXX, only 10 days after their initial notification via mail/email and only 28 days after they originally attempted to debit the money that they didn't credit anywhere, which is verified by both XXXX XXXX XXXX and 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 2022-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
why do they keep take overdafte fee more than once it and they charger the customer for it when they dont have money and take more than should when it should be just little amount over what you get i want all my over dafter money back from them take from 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: KS
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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 fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 the IRS accepted Form 1099-C, cancelling the credit card debt at Bank of America XXXX See attachment.

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 2021-09-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dedt is no mys it fraud also da accts was open in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
You did not have options for the help I actually need. My loan was through XXXX XXXX XXXX of XXXX, Pa. a for profit school that is now shut down because it was bought out. I have loans that are paid off though seizing my yearly tax refunds. Due to COVID 19 and the Cares Act, I was supposed to get my refund of {$10000.00}. They couldnt take it for the offset. I filed XX/XX/XXXX which is within the time for the Cares Act. Its been 6 weeks. The IRS site said my refund was taken to pay off that debt but it cant be taken due to the Cares Act! Im trying to get ahold of someone and I cant. I am a single mother of XXXX and need that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I closed the account and made payments for a year plus but the interest kept increasing the balance and the company refused to assist with the problem. I was unaware that I had other recourse. The company refrained from sending notices. I ran into hardship during corna virus as I contracted the virus and was laid off from my job in XXXX. I have a new job from XX/XX/XXXX until now. 

Without notification Capital took my debt to court and have now sent garnishment paperwork to my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Source Receivables Management LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern I have noticed this account pop up on my credit report. I also noticed I did not receive notice for an attempt to collect debt on this account, which has denied me my right as a consumer to review and verify that this debt belongs to me as I the consumer don't recognize this debt at all. Failure to send a debt collection notice is a direct violation of my rights under section 809 ( a ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This complaint is here to follow up on these accounts to be removed or blocked as soon as feasible : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2018-03-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re : Experian Credit Bureau XX/XX/XXXX, placed Security Freeze on Experian Credit Report. Paid required fee for Michigan residents, {$10.00}. 

XX/XX/XXXX, received email containing required PIN to temporarily or permanently remove security freeze. Thus indicating security freeze must be in place. 

HOWEVER, checked account status ( via Internet account login ) for Security Freeze on XX/XX/XXXX and XX/XX/XXXX. Both inquiries state ambiguous status ; i.e., " Credit Report is Now Unlocked '' and ( in fine print ) " You currently have a Security Freeze on your Experian Credit Report ''. 

Attempted to contact company for clarification via phone ( try several numbers ) but had minimum of two hour wait time ... unacceptable. No email inquiries available. Note : made several attempts to call Experian and use company 's answering/directory service to CONFIRM credit report freeze but system not setup up for that. 

CONCLUSION, it's apparent that Experian is marketing their credit monitoring services ; e.g. Experian XXXX. Please see the attachment. This is deceptive marketing. 

I still have no assurance that my paid Security Freeze was ( is ) honored.

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