BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: GLOBAL PAYMENTS DIRECT INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Global Payment Check Services requested documentation to support my claim of fraud. They are requesting a police report and notarized XXXX of forgery referencing this specific check. Please advise as to what documentation you need. The documentation you are requesting are not the steps my credit union provided me to dispute this matter, nor did it go to the extent of a police 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 2022-07-06
Company: Experian Information Solutions Inc.
State: LA
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:
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts they also violated my rights under. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXXXXXX XXXX XXXXXXXX Experian- 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 2022-07-06
Company: Experian Information Solutions 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:
Experian : an investigation from XXXX through the CFPB portal response is states there investigation in to XXXX XXXX XXXX { THIS ITEM HAS BEEN DELTED you are still reporting this account on your credit report. you receive the same information as did XXXX did, enclosed is XXXX company 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 2022-07-06
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which aggregates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recieve a alert from my credite product that i pay for ever month that a new account was reporting on my credite report. I look into it and this account showed up XXXX XXXX XXXX XXXX Account # XXXX and stated open XXXX XX/XX/XXXX for a amount of XXXX. I called in to Experian and open a dispute on XX/XX/XXXX and came back verified on the XX/XX/XXXX so from what I see they didnt do anything to investergate now i want this account deleted from my account as soon as possible. I also have a problem with another account reporting wrong that account is XXXX XXXX XXXX account # XXXX this accont was not mines and reporting as charge off and XXXX payment late and this is incorrect please have them to delete, XXXX is reporting Inquirier that are do to Fraud and they are XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, And XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get this corrected since XX/XX/XXXX. I initially called to inform that I was moving insurance companies and to request the check not to be sent to the current company- that was confirmed. I called again on XX/XX/XXXX to inform of my new home insurance company ; the MSR advised there was no insurance binder she called and was provided and email address. She said she would get information and also update the binder on my QL, which I did. She then told me the other check had not been cancelled and would submit a request and it would take 2-3 business days for me to see the new insurance information. I called on XX/XX/XXXX and spoke with a MSR who advised the information was not updated and that nothing was received. When I advised I had uploaded the documentation she advised I was told incorrect information and it would be a different site ; while the girl was pretty annoyed with me she was able to update the policy and then told me I would need to wait for a escrow analysis and to callback ; I asked for a manager at that time as I had been told previously I would be able to ask the same day and it would take 1-2 business days for analysis. I spoke with the manager on XX/XX/XXXX who requested the analysis and then he advised it would be 3-5 business days and it could not be applied to my mortgage payment. After not seeing anything update I called on XX/XX/XXXX for a MSR to tell me it takes two weeks for the analysis. She transferred me to XXXX XXXX who then told me the analysis was done ; I asked again to have the payment applied he said this could be done and would not contact me unless something happened. I logged onto my Quicken today and they cancelled my homeowners check in error and now I could be at risk for a lapse in insurance thus causing future financial burdens due to a lapse in coverage. I have given more than sufficient time to fix the initial problem and it only seems to be getting worse. I called today to inform, I left XXXX a voicemail and waited til the afternoon with no call. I called and first customer service disconnected, second put me on a silent hold for extended period and third took forever to transfer me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-02-12
Company: Securus J Holdings, LLC
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Jpay is an organization that processes EFT money transfers to inmates. They have a captive audience in a cornered market, so they charge fees accordingly. They charge 18 % per transaction, which is highly disproportionate to the cost of processing the money transfer. These fees are charged to a disadvantaged consumer group : families of inmates who are likely to be financially struggling to get by. I feel it 's a predatory practice and it needs to be stopped. I 'm not even sure who regulates JPay, but the money transfer section of the company needs to be reviewed by the CFPB. JPAY has already been called out and regulated on for predatory charges for phone calls -- upwards of {$14.00} for a 15 minute call. Now the money transfer side needs work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: SC
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 THE NATURAL PERSON, CONSUMER AND CREDITOR. EQUIFAX, XXXX, AND XXXX BROKE THE LAW PURSUANT TO 15 UXC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX2022 THERE ARE XXXX NEGATIVE REPORTING TRADELINES AND XXXX CLOSED ACCOUNTS THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. I WOULD LIKE TO STATE THAT PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THAT THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE IN ACCURACIES IT HAS CAUSE TO ME TO LOSE ALL CONFIDENCE IN THE BANKING SYSTEM. AS THE COMSUMER CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVASTATION TO MY XXXX GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Flagstar Bank, N.A.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began in XXXX of 2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. XXXX is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.

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 2020-04-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on my credit report is inaccurate. I have disputed with no response. They never answer the phone but keep reporting me every month to the credit burrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. Equifax continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 Equifax forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. XXXX, XXXX state to contact the banks with no resolution otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I attempted to send money to someone via PayPal, which I do on every payday. The recipient indicated they had not received a notification and I subsequently attempted to send it again. After the second try, I contacted PayPal who indicated the delay was caused by a negative balance in my PayPal wallet. I proceeded to bring that balance to {$0.00} and the PayPal agent advised me to attempt a 3rd payment to the recipient and that he would cancel the first two attempts. I did so, and then called my bank to make sure there weren't 3 attempts to send money. On the following Monday, all 3 payments were deducted from my bank account. I attempted to work with my bank and with PayPal to resolve the issue and there was no resolution. Since all 3 payments were deducted, my checking account went negative, resulting in an overdraft fee of {$74.00}. My bank also returned a car payment and charged me {$37.00} for a returned item fee. There is also now an additional overdraft fee pending on my account for {$37.00}. My frustration is that I worked directly with PayPal to resolve the potential issue only hours after the first 2 payments to the recipient were attempted. The recipient has now received all 3 payments, returned the 2 erroneous ones to me and my checking account is in good standing, however, I am out {$110.00} for fees with an additional {$37.00} fee pending. I would like PayPal to reimburse me the fees that could have been avoided had they properly cancelled the first two erroneous payment attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been dealing with this student loan for about 6 years now, originally through  XXXX   XXXX , then through  XXXX  and now through Navient. I paid my student loan off to the school,  XXXX , which is no longer a school anymore. I made payments in  XXXX  and  XXXX  of almost {$2000.00} and then more payments through those 2 years of about {$450.00}. I only attended that school for half of the program and am being told that I owe the entire programs loan amount.   I have tried to get in contact with Navient about what payment history they have for me, and to explain how I owe the money they are claiming, but no one will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I authorized a wire transfer of {$1000.00}. XXXX from my checking account to a recipient in XXXX with Chase Bank. They didnt send the money until XX/XX/2022. However, after the XXXX business days, the money was not received by the recipients bank in XXXX. I contacted Chase customer representative and instructed that the wire transfer be recalled. Since XX/XX/2022 nothing happened. They should recall the wire transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

Experian is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

Experian is also reporting two addresses I have never seen or am associated with please delete : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2016-04-26
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I made a deposit to my checking account of XXXX. On XXXX XXXX, 2016 money was swept from my overdraft protection line of credit and a sweep fee ( {$12.00} ) was assessed. When I contacted the bank via the customer service phone number XXXX explained that it appears a hold was put on my account and I wanted to understand if the fee would be reversed once the deposit cleared. This question could not be answered and I was told my name was going on a list to be contacted by a manager. Almost two weeks went by and I never heard from them. On XXXX XXXX I contacted my branch ( XXXX office ) and explained that I 'd like to know if my fee can be reversed since my deposit has cleared. I also asked why I was never told a hold was being put on my deposit. She explained that if I flipped my deposit receipt over I would see the hold notice. She also explained that they do not typically reverse these fees since I am made aware of the hold, however, in this case I was n't. I made my deposit through the drive-up and they could have simple told me a hold was being placed but nothing was said to me other than, 'Thank you have a great day '. Prior to BB & T taking over Susquehanna Bank a hold notice would have been mailed the same day or the following day and a verbal notification would have been provided at the time of deposit if the decision to place a hold was known. I feel that this practice is deceptive to the customer and is increasing BB & T 's fee revenue at our expense. Please note : The front of the deposit receipt looks exactly the same whether there is a notice on the back or not, so there is truly nothing telling you to flip it over and read the notice. Since the branch manager is on vacation I still have not gotten a resolution. I think BB & T should verbally inform their customers of their decision to place a hold or at least tell them to review the hold notice provided on the back of their deposit receipt since the decision to place the hold has already been made at the time of deposit. I do n't believe Reg. CC was meant to increase fee revenue as BB & T appears to be utilizing it.

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 2020-01-17
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX / XXXX XXXX is reporting a serious delinquency on my credit report. I tried to resolve the issue with XXXX XXXX when it arose. I was never aware of the charges, nor did I receive a statement. I requested documentation of receipts and never received any. I finally paid the bill. They are reporting that I was seriously delinquent and I have no idea what the charges were, what they were, or whether they were mine. 

According to comments on my credit report 1st delinquency was XX/XX/2018, first reported XX/XX/2018. It makes no sense to me. It was a relatively tiny amount, I have no late payments on any other accounts. 

I am not and was not aware of any charges on this account

Company response to consumer: Closed with explanation