BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I submitted a compliance base letter to Experian requesting to remove old addresses and correction of my name. In the same compliance base letter I requested to investigate and remove inaccurate information. 
Inaccurate information requested to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX, I received an email stating and I quote " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request ''. Even though I included proof of identification, social security card and proof of address. On XX/XX/XXXX, I submitted a letter assuring them it was me with proof of identification, social security card and address. On XX/XX/XXXX, I received another email stating the same thing as the email from XX/XX/XXXX, and I quote " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request ''. I don't understand why Experian keeps refusing to investigate my dispute. I'm attaching proof of all mentioned above. I hope CFPB can help me with this matter.

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 2023-06-22
Company: EQUIFAX, 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wrong Inaccurate information, fraudulent accounts

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 2020-07-16
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
SYNCB/PPC- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in 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 non-monetary relief
Consumer complaint received 2020-07-16
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice for Proof of Claim Account : SEQUIUM ASSET SOLUTIONS , LLC BAL {$7300.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: FULTON FINANCIAL CORPORATION
State: PA
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:
Fulton Bank has repeatedly allowed XXXX XXXX  to withdraw funds from my account despite the fact that I have told them that the withdrawals are fraudulent and not authorized. 

ON XX/XX/20 I informed Fulton the there was a fraudulent withdrawal from XXXX XXXX  for {$3.00}, and filled out paperwork to dispute the charge. I informed them that they should never allow any withdrawals from XXXX XXXX, as I do not have any accounts with XXXX XXXX. Now there is another fraudulent charge from XXXX XXXX, of {$6.00}, on XX/XX/XXXX. 

I sent a secure message through the web site a day or two ago when the charge was still pending, and told them not to allow the charge. They ignored me and allowed the charge to go through. " XXXX XXXX '' informed me that I had to pay Fulton {$33.00} for Fulton to prevent such fraud in future, and I had to come in and fill out a form to dispute the charge - despite the fact that the country is on lockdown and other banks permit electronic disputes of charges. It is not only an unnecessary inconvenience to come into the bank - it is a risk to my health and my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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:
Experian falsely " verified '' that my account with XXXX XXXX XXXX  has a balance. This is patently false and is perpetuating the reporting of inaccurate information on my report. I provided Experian proof, but they still " verified '' the inaccurate information, so it is clear that Experian intentionally maintained the false data. I attempted to again submit the evidence of a XXXX balance, but Experian 's systems do not allow me to upload it. See attached evidence and screen shots. XXXX XXXX insists that I contact the credit bureaus.

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 2022-12-05
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
PNC Bank Fraudulently charged me {$2000.00} on my credit report. The credit card I had only had a {$500.00} limit on it. It was paid in full and closed for at least 3 years ago. Then PNC Bank Sold This Account to another lender. Who has now also put me in collections for this. 
PNC has been sued for passing accounts like this. In fact I'm in process of joining the Class Action SuiXXXX Against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I was sent XXXX XXXXXXXX is XXXX and I haven't received my money yet.they don't speak or understand English.they also wouldn't try to figure out where my money was after they received documents saying my money was deposited into they company account.. they haven't tried to help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a XXXX XXXX opened on XX/XX/XXXX XXXX which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX  to honor what they said they were going to do and remove this closed account from my file. Thank you

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 2023-06-22
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three 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 correction 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 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 2023-01-31
Company: W&A Intermediate Co., LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wakefield and Associates placed a collection on my credit report. I was never contacted for any debt. I was only aware of this action due to my credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JPMCB CARD SERVICES This account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {$610.00} Reported balance OpenedOct XXXX, XXXX ( 14 yrs, 8 mos ) The balance is paid in full-letter attached from the Chase ... Company contacted every month on the XXXX and XXXX since XXXX requesting deletion of the {$610.00}. 

The law states after 7 years a deletion of the listing is required by the company ... XXXX to XXXX is well over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IN
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 my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.

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 2021-06-25
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: Old information reappears or never goes away

Complaint:
There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  Trans Union and XXXX  and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX  XXXX ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}

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 2023-06-22
Company: EQUIFAX, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MB XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was a co signer on my husband car with XXXX that got hit andin front of our house park on the street we told them to come in pick the car but never did than XXXX of 2019 they came to get it and then sent a letter in the mail trying to sue me I called them and all they keep saying is your have contact the financial company I did that and all they keep doing is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
TIAA Cref automatically deposits an annuity payment in my bank on the XXXX of every month. 

In mid XX/XX/XXXX2020, I changed banks and confirmed on the website and by phone that the new bank was correctly identified. I was assured by phone that the change would take place on XX/XX/XXXX and there would be no problem. 

On XX/XX/XXXX the deposit never arrived in the new bank. I found that their website had reverted to the old bank and sent the deposit to them ( where I no longer was a customer ). I have tried on multiple occasions to update the bank information. Each time the new bank is accepted and I'm issued a dated/time stamped receipt for the change in information. And each time it reverts back to the old bank. 

I eventually was able on XX/XX/XXXX to reach a supervisor at TIAA Cref who took my information by phone and stayed on the line while they confirmed that the system took the update. She said she could NOT send my money to me any earlier than 7-10 days by printed check mailed to my home. I did receive the XXXX check on XX/XX/XXXX. Today ( XX/XX/XXXX20 ) I checked the website again to assure myself that the new bank would be used for the XXXX deposit as promised by the supervisor during our phone call. 

The website still reverts back to the old bank. While I have a verbal assurance that my check will be properly deposited next month, that seems pretty weak. I believe they are " working the float '' to their advantage and not in keeping with their agreement to me to have the funds available on the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total of each XXXX direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. 
Immediately after the phone call on XX/XX/2023 I realize I was a of victim of a SCAM ... .., I then immediately called Chase Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. 
Chase bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : 1. We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
2. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 
3. Contact us if you would like to request the information we used for our research.

I contacted Chase immediately to request a supervisor or manager to resolve this scam I was involved with. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
Sent a letter correspondence to FedLoan and the US Department of Education regarding reimbursement for payments I made AFTER my effective date of my VA 100 % Total and Permanent XXXX. There were XXXX letters sent on : XX/XX/XXXX and XX/XX/XXXX. 

I called XXXX on XX/XX/XXXX regarding this matter, as I received NO response from FedLoan or the US Dept of Ed. regarding my reimbursement and was advised that I have to contact FedLoan directly. I then called Fedloan on XX/XX/XXXX who advised that I have to call the Department of Education regarding my reimbursement. I called the US Dept of Ed, who advised that the reimbursement must come from my borrower- FedLoan. I called them back and they were not helpful. 

I then sent a letter correspondence to FedLoan ( again for the XXXX time ) as well as to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter on XX/XX/XXXX. As of XX/XX/XXXX. I have NOT received a response from anyone. 

My effective VA 100 % Total and Permanent XXXX was XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$100.00} ; on XX/XX/XXXX for {$1000.00} ; and on XX/XX/XXXX for {$910.00}. The full amount to be reimbursed is {$2000.00}.

Company response to consumer: Closed with explanation