BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: MO
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:
Complaint against credit bureau Experian & XXXX. 

I sent 4 letters for them to verify accounts that were reporting to my credit report. I asked for them to mail me a copy of the paperwork with my signature to validate the account was mine. They received all four my letters, and responded back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That they " updated '' & verified the accounts are mine without showing me any proof. On XX/XX/XXXX they sent a letter stating " Unless you send us additional relevant information to support your claim, we will not reinvestigate this information again. '' How can I so support to my claim on accounts that aren't mine? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract. They never sent physical verification. 

Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

My next step is to take them to small claims count and sue. Send letters and paying for shipping cost me money, and time!

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 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$110000.00}

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Upon studying my Experian credit report, I noticed some unusual accounts being reported on a monthly basis. One that stood out, was a Bankruptcy being reported. I submit a written request to United States Bankruptcy Court listed on my credit report, on there method of verification with major credit bureaus and also a method of verification letter to Experian as well. I received a response by mail in writing from United States Bankruptcy Court stating they do not verify any personal information with any credit bureaus whatsoever and contact the individual credit bureaus for removing the bankruptcy filling. Experian responded with a letter, there method of verification was XXXX on XX/XX/19. My XXXX report has a Security Freeze Confirmation letter dated for XX/XX/19, which states they dont release reports or scores while the freeze is active. I have also included pictures all supporting documents to go along with my complaint

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 2021-10-08
Company: EQUIFAX, INC.
State: LA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, On XX/XX/2020, I sent a XXXX transaction from my Chase checking account to my wife Chase checking account for the amount of $ XXXX/USD. In the memo of the transaction I put the word XXXX, as an internal reference for us. Just to let us know that is the money we'll send to our family in XXXX. XXXX transactions usually occurs within minutes, but that day, the money was withdrawal from my account and never went to my wife account. Then on XX/XX/2020. I received a letter from Chase explaining that the transaction was cancelled and it was under investigation by the XXXX Department for a possible Sanction or JPM Risk Policy issue. They stated that a reference to XXXX was included as an instruction. They asked me about ( 1 ) what was the purpose of that payment to XXXX, the also said that ( 2 ) Payments involving XXXX are only permissible under certain OFAC regulations, authorizations and/or licenses. Provide related authorization you have knowledge of. for XXXX. and additionally the asked ( 3 ) If this payment is a personal or family remittance : ( a ) Please provide full name of person or company that ultimately receives the funds, ( b ) their relation to you, ( c ) if they are an official of the Government of XXXX, a member of the XXXX XXXX XXXX, and ( d ) confirm total amount of funds that have been remitted to the individual during the last three months ... 

I clarified and sent all the info they requested, including the name of family in XXXX ( my mother ) who I regularly send money through XXXX, I provided also the MTCN from XXXX for the last months I sen money through them ( XXXX, XXXX and XXXX XXXX. All the info they request I gave them to them. 

Finally yesterday they decide that they will keep the $ XXXX/USD on a blocked account and they will not released to me or my wife unless I obtain a license from the treasury office XXXX 

I explained several times to them, that the transaction was between two Chase accounts, both person are USA citizens and residing in USA. We never instructed anything relating to a transfer to XXXX, it was just a simple memo with just one word " XXXX '' for a simple personal reference between my wife and I. 

We consider that this is a huge abuse of power of Chase, that this is a huge violation of our rights, and that they no have any right to take from us any money. I moved all my finances to XXXX XXXX, and we'll keep the accounts opened just for communication with them, because the only way is through the Secure Message on the Chase website or app. Nobody wants to explain anything through the phone and the case looks like closed from their side. 

I'm filling this complaint in order to get any help on this. 

Any information needed from my side is available, I have all the communication on pdf in case needed. 

Thanks in advance for any help you can provide Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: BBVA FINANCIAL CORPORATION
State: AZ
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:
BBVA Compass Bank Violations of H.R. 1261 Overdraft Protection Act of 2013 SEC. 4 FAIR MARKETING AND PROVISION OF OVERDRAFT COVERAGE PROGRAMS. SS 140 B. Overdraft coverage program disclosures and consumer protection ( c ) Each depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sales transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. [ I, the consumer, never gave consent to overdraft protection nor was given opportunity to opt-in or not. ] ( d ) ( 1 ) ( A ) CONSUMER DISCLOSURES. - Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution- that- the consumer may be charged for not more than one overdraft coverage fee in any calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account ; [ I, the consumer, have been charged 16 times in 2 months! Even if I did consent, they are exceedingly over their limit.that they can charge per one account. ] There are many more violations. However, I will stop there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.

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 2021-04-11
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Re : Case No XXXX in the Superior Court oXXXX XXXX XXXX Re : Attached Notice of Debtor Letters : Creditor Name : Wilmington Savings Fund Society , FSB, XXXX " WSFS '' XXXX Creditor Address : XXXX XXXX XXXX, FL XXXX Creditor Attorney : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached Exemplified Affidavit from the XXXX XXXX XXXX XXXX XXXX in the Superior Court of XXXX XXXX Plaintiff : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  not in its Individual Capacity but Solely as Trustee for the XXXX XXXX XXXX XXXX, XXXX " XXXX '' XXXX Attorneys for Plaintiff : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX Route XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Services Invoice submitted as Exhibit Y in Case No. XXXX Client : XXXX XXXX XXXX, XXXX " XXXX '' XXXX Client No : XXXX Account # XXXX Re : Attached SEC Response XXXX " Our records do not contain any information regarding XXXX XXXX XXXX XXXX. '' Dear CFPB, We are reaching out for your agency for assistance with obtaining proof of debt and proof of claim from XXXX, and/or XXXX, and/or XXXX. 

Apparently, three parties are now alleging a claim Case No. XXXX in the XXXX XXXX of New Jersey ... .WSFS pursuant to the Notice Of Debtor Letters, XXXX XXXX to the exemplified affidavit and Prime pursuant to the XX/XX/2021 Professional Services by attorneys at the Law Firm of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

We dispute that any of the foregoing parties, WSFS, XXXX or XXXX have a valid claim and demand strict proof thereof. 

Thank you for your assistance in ensuring that a verified proof of claim/proof of debt is provided, absent which the foregoing three parties and their attorneys are hereby directed to withdrawn and dismiss Case No. XXXX in the Superior Court of XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended the University of XXXX from XXXX XXXX. 
With high-pressure tactics from the schools recruiter. They highly recommended that I should attend this particular college, and that all of my schooling would be fully funded, and they would help me find a great paying job from their Employment placement program. 

They mentioned even though they have the lowest tuition cost, and the highest graduation rates, I would not have to pay for my school loans until I found a job that salaried me at least {$50000.00} under their Employment placement program. 

Unfortunately, the school loan University of XXXX promised was fully paid for was not true. There were a few classes where my tuition ran short and I had to find the money to pay for it out of my own pocket if I wanted to continue my education. 

Moreover, the final cost of my school loans has grossed double ( due to high interest rates XXXX to what was initially owed. 

Due to lack of funds and a steady paying job, I ended up filling Chapter XXXX Bankruptcy in XXXX and XXXX XXXX back in XXXX. I completed the payment plan. 
During the court proceedings, I had to go through a XXXX XXXX to determine if I am financially unstable to payback my student loans as well as maintain a minimal standard of living. 

I was approved, and The University of XXXX was added to that Bankruptcy and was deemed as an Undue Hardship. 

When I pull up my credit report, Sallie Mae ( Now known as Navient ), and the U.S. Department of Education both show on my credit report as Included in Bankruptcy. However, it still show that I owe {$84000.00} as debt on my credit file. I even logged on to my Navient account and it still shows that I owe close to {$85000.00}. When I spoke to a Navient rep on the phone and explained to her that my dept was included in my Bankruptcy due to Undue Hardship. She said this was not true, and that no federal loan can be discharged in a bankruptcy. 

On my credit report, I have 11 closed Navient Accounts that show I have a balance totaling {$84000.00}. Then I have an additional 8 closed Navient Accounts that references the Navient account was included/discharged in my Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: ALLY FINANCIAL INC.
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not valid. I have asked them and written to them to cease and desist from any communication and or credit reporting and they have not. They are in violation of the FDCPA and demand that their negative credit reporting be removed

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and 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 explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions 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:
I would like to request the suppression of the following item from my credit report, which are the result of my falling victim to identity theft

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 2017-12-02
Company: Pathfinder Credit Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PATHFINDER CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB : On XXXX XXXX, XXXX I mailed Pathfinder PCS Credit Services a letter requesting validation of the above referenced account. In fact, I mailed this letter certified mail to provide proof of delivery. On XXXX XXXX, XXXX, this parcel was, indeed, delivered to Pathfinders address as indicated by USPS tracking number ( XXXX ). In that letter I did not refuse to pay, I simply wanted to invoke my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which grants all Texas residents the right to a proper validation within a thirty ( 30 ) day time frame. If a collection agency cant provide a proper validation, then said account ( s ) must be deleted from all three credit reporting agencies. Moreover, Pathfinders attempt at a proper validation, has  fallen short of the XXXX full legal guidelines thus violating my consumer rights as a resident of the state of Texas. 

Secondly, because Pathfinder werent able to do such a thingto be exact, this very rouge third party collection agency failed to provide a proper debt validation within 30 days, the trade line was supposed to be deleted from all three major credit reporting agenciesXXXX XXXX and XXXX. As of today, they are still reporting this negative trade line on my credit reportsthis being the case even after they received a second correspondence from me on XXXX XXXX, XXXX, informing them that their attempt at a proper validation had fallen short of the legal 30 day time frame. Again, this letter was sent certified mail ( XXXX ) and was delivered in XXXX XXXX, FL XXXX their companys domicile. The reason for the second letteras posit by the XXXX XXXX XXXX XXXX to give them ample enough time to cure notice, which again they failed to do. 

As it stands today, this very rouge debt collection organization is in multiple violations of the XXXX XXXX XXXX XXXX ; mainly for failure to provide a proper validate within a 30 day time period. '' In final, Im in the process of taking legal action against this organization in XXXX XXXX, Texas for multiple violations of XXXX XXXX and Deceptive Trade Practices-Consumer Protection Act XXXX of the Business and XXXX XXXX. Please be aware, I will be filing a civil lawsuit against this company for multiple violations of the XXXX XXXX XXXX, ( including but in no way limited to this organizations failure to obtain a XXXX bond in the amount of {$10000.00} ) and its failure to procure a business license in the state of Texas, both for which are mandated under Texas State law. In addition, Im in the process of filing formal complaints with the BBB of XXXX XXXX, FL, the Federal Trade Commission, and the Texas State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: FISERV INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
We are an XXXX XXXX XXXX which has XXXX   and does its XXXX in usa. We started processing our Cerdit Cards with a company called First Data or account number is ... XXXX or Company name is XXXX XXXXXXXX XXXX XXXX XXXX 

This company allowed use to process over {$6000.00} usd almost two weeks ago, and then never deposited it into our account. We recieved a letter stating when we open this account with XXXX XXXX that she filled the forms out wrong and show we only do tickets up to {$500.00} and {$4000.00} per month max CC processing but our bikes range from {$2500.00} to {$5000.00} and we are doing {$60000.00} or more a month. 

Now since they are holding all this money and will not respond and the risk management will not answer our calls or their own company calls we can't even refund our buyers and charge with a different processor. We have already shipped these bikes out to the buyers, so now because of this processor First Data, we can't buy new product, we can't pay our employees and they are trying to put us out of business. Please if you could do anything you can to help this get resolved and please make sure all other companies know how poor this company is to work with.

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