BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: LEXISNEXIS
State: PA
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:
In XXXX a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to XXXX by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''. 

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to XXXX, knowing they are in violation of Federal Regulations and XXXX is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or XXXX to the letter of Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and I never heard or see this company before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed Loan Servicing has violated my right to operate in commerce as a consumer, which is a violation of federal law. I have identified and made Fed Loan Servicing aware that my students loans are a consumer transaction. My social security card/number was used in order for this transaction to proceed. My social security card/number belongs to the Social Secuirty Administration and anything purchased with my social is the obligation of the United States Corporation according to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore under this definition by law this transaction makes me the original creditor. The FDCPA 15 USC 1692 never uses the term borrower, because there is no such thing as a borrower. You can not borrow your own money, and if referred to as a borrower in any contract is a violation of 15 USC 1692. Fed Loan Serving is a third party lender/bank/debt collector, and can not loan money or extend credit let alone attempt to collect a debt. I have expressed these violation and asked for a sworn affidavit and I submitted a debt validation letter which was signed and dated by a Fed Loan Serving Agent which is breaking federal law. They did not provide me with any documentation or provided any of my requests on my debt validation. Instead again referenced me as a borrower and XXXX XXXX  as the authorized signature for the creditor. It is impossible for XXXX XXXX to be the original creditor and yet signed an official document stating otherwise. I have also requested the immediate cease and desist on reorienting to my consumer reports without my consent which is a violation of 15 USC 1681. Fed Loam Servicing has blatantly refused to acknowledge my consumer right in that regard and continue to report on my consumer/credit errors which is actively damaging my consumer reputation which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted my Navient, and offered the forbearance due to lack of funds at the time. What I was not told was how much they would be adding to my account to have payment delayed while I got my financials in order. Below are the details I received today. I also ask about how this loan was obtained considering I didn't have a XXXX   XXXX  diploma at the time. I did not complete the application and actually thought the school have received grants for the certificate I received. It was not known until I was done and missed a payment that I was informed that I have a XXXX balance. This school did everything and even had me take a test to get my XXXX XXXX  diploma after I started, which took me a couple of months. The loan was issued before I actually completed the online program for a diploma that I never even received in the mail and wants me to pay over a {$100.00} for a paper copy. At the time being young I did not understand, however now as an adult it is clear that fraud was committed for the benefit of XXXX XXXX XXXX. I have sent in appeals to navient, however they are always rejected with " missing info '' took the same form completed what was " consider missing '' not once but twice. Called to check the status and now it was never received and I need to complete a new appeal, for the third time. I am also a XXXX XXXX  and was denied to have my loans put into the forgiveness program. call regarding that and given another number XXXX, that keeps hanging up on me. 

Capitalized interest XXXX Monthly interest XXXX Daily interest XXXX Original loan balance XXXX Total interest owed now XXXX Total balance to date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because PORTFOLIO RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called the XXXX and TransUnion after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$26000.00}

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 non-monetary relief
Consumer complaint received 2019-04-28
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I did not apply for auto financing for this debt collector. I have not received any written information to validate this debt. This should not be on my credit report as an inquiry or debt. Please remove this from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: NY
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:
Im send over paper work from Equifax show they deleted these hard Inquiries. But they still there I even send over FTC report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I took a check to deposit into my checking account for the amount of {$4600.00}. The check was from someone who bought a snow plow from me off XXXX marketplace and overnighted the funds to me. The teller named XXXX in The XXXX NJ bank branch cashed the check with no issues and said the money will clear in a few days. On XX/XX/2021 money in the amount of {$4600.00} cleared in my account, at which point I was able to withdraw {$600.00} with the same teller as well as move {$2000.00} into my savings account. On XX/XX/2021 I went back into the bank with the same teller to remove money from my checking account, at which point the teller named XXXX who has helped me through this entire transaction process tells me my account is overdrawn {$2600.00} for a returned check. I asked how is that possible when the funds were made available to me? She said the check was a fraudulent check and was sent back. I asked the teller why she didnt put a hold on my check until the funds were properly checked by the other bank, which in this case is XXXX XXXX The teller had no answers for me. She apologized about not putting a hold on the check, which she should have because that is to protect me and my account. I have been a member of this bank in good standing for 15 years and I was treated terribly. I had to file a police report for the snow plow I was out and now for the money XXXX XXXX refuses to help me get back. I have tried talking to the highest person in charge, I get the run around.. no call back nothing. I am so disappointed in this situation. The bank froze my account to try and see what they can do to rectify this problem. Ive had my account frozen for three weeks now! This is so unacceptable.

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 2017-07-30
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This complaint is regarding fraudulent transactions that were made by someone residing in another state on my Direct Express Debit Card on which I receive my Social Security payments.These transactions occurred on XX/XX/XXXX, XXXX, and the XXXX, 2017. I contacted the company and advised them that I had not made these purchases, as I reside in a different state, and have never visited this particular state, and my card was currently in my possession. The amount on the XXXX was for {$2.00}, on the XXXX it was for {$32.00}, and on the XXXX, there were 3 separate transactions ; one for {$150.00}, one for {$250.00}, and one for {$42.00}. The total of all these is {$480.00}. I attempted to dispute these transactions in the manner the company advised me too, but it took 15 attempts to even speak to someone in the fraud department. After I was able to reach someone I was advised that I would have to wait for the charges to clear before I could dispute them. I waited until they showed settled on my account, called back, heard the same " we are experiencing heavy call volumes, try your call again later ''. I heard this at least 10 times AGAIN before being able to speak to someone. I was told that a form would be mailed to me and once I filled it out and the transactions were checked into, I would have my money back. I filled out the form and FAXED it to them. I called to see where my money was and they said they just got the form! That 's not true as I have the confirmation sheet that it was sent successfully. I spoke to a lady by the name of " XXXX '' and she gave me her extension. I called back to speak with her as she informed me that I could on the last time we spoke, only to find out that she had been fired. I 'm not a rich person and I need my money back. This company is not a good one at all. i XXXX them and was horrified to see how many people are in the same position that I am in, and have n't gotten money that was taken from them years ago. Direct Express needs to be held accountable for what they are doing to people on Social Security, XXXX, and other government benefits. If this card is FDIC insured, i as well as these other people should have had their money back by now. This card is NOT safe, its not secure, and its not a good choice for people who receive benefits of any kind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold Litecoin on XX/XX/XXXX at XXXX PST through Coinbase. The litecoin was immediately removed from my account without me receiving any payment. My coinbase history page noted that XXXX USD was due to my USD account to arrive by the end of the day on XX/XX/XXXX. I  have still not received any USD into my USD wallet as of XX/XX/XXXX. I have opened a support ticket through their website and was notified on XX/XX/XXXX that they have received the ticket and are working with a specialist to resolve the issue. Since then I have received no more communication from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Reliable Credit Association, Inc.
State: OR
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:
Reliable Credit is reporting a charge off on all my credit reports after selling the account to XXXX XXXX agency. 

They are continuing to report inaccurate and false erroneous information to XXXX, XXXX XXXX XXXX. 

Balances that they reported are inaccurate after selling the debt, dates that supposed information they alleged are all different amongst all XXXX Credit bureaus. 

So much inaccurate reporting that is against the law and the guidelines with the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter from Chase informing me that they were transferring my funds from both checking/savings accounts to the state the last week of XXXX, 2017. Since the letter had to be sent via airmail, I had a very little time to stop them. My accounts had been inactivated so I had to make an international call to spoke to their customer rep. Although that phone call stopped them from transferring my funds to the state, my accounts were remained inactive despite their promise to reactivate within 2-3 business days. I told them I would rather close my accounts than reactivating them since it was getting harder for me to maintain my accounts from overseas, which they told me to file a request from their website after they reactivated my accounts. But apparently, they had deleted my ID and password, and I could n't log in. Each customer rep told something different, some of which sounded rather questionable and knowledgeable.
My accounts had remained inactive for 4 months, then out of the blue I was told that my accounts have been reactivated AFTER I had been trying to CLOSE XXXX my accounts. I even sent my notarized request via fax just like what they told me to do in order to close my accounts. I chose to fax it instead of mail it due to their lousy service ; I had to take a trip to the US embassy in XXXX and paid {$50.00} to have my request notarized. I did n't want them lose it ; I had no more trust in their ability to do their job. I would NOT want to take another trip to the embassy and pay another {$50.00} to have another request notarized, which is I think is the likely scenario considering.
Now, they are telling me I must " mail '' my notarized request, that faxing wo n't do, which is the first time I heard. They said I could either fax it or mail it. And I chose to fax it because their words can not be trusted, NOT ANYMORE after all this. I do n't want to spend any more money trying to close my accounts. I did tell them I would be contacting CFPB as my patience was wearing thin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: OH
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts 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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XX/XX/19 I attempted to speak to both transunion and XXXX/XXXX about a hard inquiry that I never did. XXXX states they have no record but will not provide letter of deletion and as for transunion they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$28000.00}

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 non-monetary relief
Consumer complaint received 2022-01-14
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX-I spoke with SW Credit Systems in XXXX TX and agreed to pay the reduced amount of {$80.00} for the so-called money I owed to XXXX for {$120.00}. My XXXX XXXX has dropped to XXXX. I have never had XXXX XXXX. I appreciate any assistance that you can assist with. The collection is still on my account for all 3 Credit Bueraus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation