BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a charge on a Well Fargo card I do not use. I tried logging into the app to see what happened and was locked out. I tried resetting the password but they said the card number wasnt valid. 

I tried contacting the company and they told me its a different card and theyre freeze the account. I am not currently in the US and unable to go into a bank. They they sent me a letter stating my card was delinquent and charged me a penalty. 

I got in contact again saying they say they froze it and I wasnt this resolved. They said they would resolve the fraud and send me a new card. 

They have done neither and now sent me another statement marking two months delinquent, another penalty and my credit score is taking a hit. They also claim they can not help me into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In regard to credit monitoring services via XXXX, A data breach was initiated. This caused inaccuracies to appear on my report creating a financial hardship regarding any credit services. 

XX/XX/2023 I filed a claimed, in regard to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My problems started yesterday ( XX/XX/2021 ) I tried to open access to my personal information for the co-op where I buy an apartment. Utter disappointment awaited me, when I came across the service provided by Equifax. First of all, I couldn't open my own page, although I have all the passwords written down. When I called the support service, the agent arrogantly started asking me some questions that I don't even have to remember. Then she tried several times to send me a verification text, but the program DID NOT WORK, although I followed all the instructions step by step. Then she tried to send me a message to my email ... .. and it didn't work either. In the end, I asked for help from a manager, who also, after several attempts to help me, interrupted our conversation and turned on the social survey .... Name of the manager is XXXX ( XXXX ) I couldn't even evaluate the agency 's work because the social survey system didn't work either. Then I went to XXXX and contacted the Equifax agent there, but received nothing but apologies in response. Unfortunately, NO co-op will wait for this information forever and I may just lose the opportunity to purchase my apartment in the desired location. I highly recommend this company to take an example from two other agencies ( XXXX & XXXX ), which are both easy and pleasant to work with! XXXX XXXX, XXXX, NY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
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:
To whom it may concern, We have a VA loan with PennyMac Loan services. In XX/XX/XXXXwe knew we would have difficulties paying the monthly payment in full. We called PennyMac to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XX/XX/XXXX and XX/XX/XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XX/XX/XXXX-XX/XX/XXXX were included but not XX/XX/XXXX. Therefore, XX/XX/XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XX/XX/XXXX in the process, as we were told, and XX/XX/XXXXwould be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX payments. However, despite several attempts to reach her, the Penny Mac representative has refused to return our calls. 

We firmly stand by the fact we were told to take XX/XX/XXXX and XX/XX/XXXX to not make payments. Had we known we needed to make them, we would have. While they included XX/XX/XXXXthey still refuse to amend this to include XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 1681. 
( 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 account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX # XXXX Name= XXXX XXXX  # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX Bank # XXXX Name= XXXX XXXX XXXX XXXX XXXXXXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXXXXXX Name= XXXX XXXX XXXX XXXX Has violated my rights.. 

15 U-S-C 1681 Section 602 A- Stat 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 instruction.

15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the infomation 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I told XXXX XXXX bank to close my account because they dont credit my account for charge backs told me was late in more 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary finally told them i am type XXXX XXXX  which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX XXXX and experian the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report or credit files ask XXXX XXXX to close account balance they refused to give me any type of credit and make unsecured

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 2022-04-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My business checking account was frozen in XXXX due to a fraudulent check being processed by BBVA. Upon reviewing the check it was plain to see that it was not one of our company checks. We were told to set up a different checking account so that this wouldn't happen again. But that is easier said than done as we are paid electronically by insurance companies so a lot of work including verification is required make this happen. 
In the meantime a business relationship manager at BBVA continued to manually process payroll and other bills at our request. 

After the buy out was finalized on XX/XX/XXXX we no longer had access to the business relationship manager. Not sure what happened to him. I was also unable to see all my accounts at BBVA now PNC. On XX/XX/XXXX I went into the XXXX branch in XXXX to get the account unfrozen. XXXX XXXX the teller wasn't sure how to do it as she hadn't been trained in the new way to do this yet. And I believe her as I have worked with her for years. She is outstanding!! 

Despite follow up phone calls on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX nothing is happening. Each time I'm told that a review team " will get to work on it '', but each time I call they seem to have no notes on my previous calls and also are unsure why the account was frozen to begin with. This isn't surprising as I also have no statements available online prior to merger. For a bank they're record keeping is awful!! 

The bank seems to not care at all about my challenges to pay employees, bills, etc when I don't have access to my businesses funds. They are acting like it's their money!! 

Also it's difficult to determine how my business is performing when my book keeper is unable to complete routine monthly book keeping without having access to statements and downloads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-05-11
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: Account information incorrect

Complaint:
Equifax continues to show XXXX XXXX, an authorized user account that was already paid in full and closed by my husband 2 months ago, affecting my credit score. XXXX is not showing this account anymore after I made a complaint, Equifax refused to do so and still reporting this account as an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I moved over {$100.00} ( of XXXX coin ) into a Binance.US account. I was able to make an initial trade from their native token " XXXX '' to three other tokens. After doing so, my account became locked pending verification. I over the course of a few days I submitted all the necessary legal information for their verification process. It has never unlocked the money I sent in. It says I can only withdrawal from that account, but when I attempt to withdraw it says I do not meet the minimum requirement to transfer. I can not trade it back to their native XXXX coin and withdrawal that. My finances are locked and the company has never responded to any of my support requests. 

I've since come to find forums full of USA users which thousands, possibly millions of dollars locked up by Binance.us and no way of getting it out. 

This is fraud. They should at least cut me a check and let me walk away, but instead these tokens are locked up and decreasing in value while their company makes a hefty profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX the account is reported by Equifax closed/charge off with balance - XX/XX/XXXX up to present..XXXX XXXX reported as closed/charge off with balance from XX/XX/XXXX to present.. XXXX XXXX reported as charge off with balance - from XXXX to XX/XX/XXXX and XXXX to XXXX XXXX XXXX XXXX charge off with balance - XX/XX/XXXX to XX/XX/XXXX ... Only Equifax unverified the accounts and it has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, you must remove the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have previously filed a complaint on XX/XX/2022. Moehela said that they did not handle loan foregiveness applications. According to Texas Department of Education, they are supposed to. My complaint is that I had my XXXX Foregiveness Loan forms filled out by the appropriate schools and sent to Moehela who is supposed to address them. I did not receive any correspondence back from them or their acknowlegement that they had received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681.

The account is as follows : 1 ) US BKPT CT CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( Experian ) or I.D . XXXX XXXX or XXXX credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.

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 2023-01-14
Company: MOHELA
State: MD
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 have submitted my XXXX application for multiple qualifying employers. 
My first PSLF application was submitted on XX/XX/XXXX and is shown it was processed. My XXXX employers were approved starting with date XXXX. However, the problem I have identified is that there are several years of dates that are missing from my tracker/qualifying accounts. My tracker only shows XXXX of XXXX qualifying. Upon reviewing my qualifying payments the following months/years are missing : XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. I called and filed for a review to look into this XXXX XX/XX/XXXX and nothing happened. 
In addition to the qualifying tracking issue, I called to check on the status of my XXXX  application for my current employer as a government employee at XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was submitted on XX/XX/XXXX. I was told this XXXX application was denied and they did not know why initially. So when I questioned the representative she stated let me look into the application. The rep then stated because no XXXX was included. I informed the rep that was not accurate the XXXX was included the same day by XXXX of XXXX XXXX when I called. I initially submitted the PSLF application for XXXX without the XXXX because I did not have it ; however, I found it the same day of submission and contacted Mohela. Which it shows on my Mohela account that the Mohela rep did in fact add the XXXX on XX/XX/XXXX. So once I said that, the rep then says she see it and it takes 90 days to process. I said well XXXX 90 days is over if I submitted on XX/XX/XXXX. The rep stated the application was just processed on XX/XX/XXXX and that they have another 90 days to update their error. Which I think that is inaccurate. I asked to speak with XXXX and was told she was transferring me to management. Well I was transferred to what must have been an imaginary queue because I was on hold for well over an hour and half and management never answered. 
I believe I qualify for loan forgiveness as I have been employed with public service employers my entire adult life and since XXXX as my first XXXX was approved for. Mohela does not have a clear process on how they properly will review inaccuracies identified for their clients and this is wrong. 

It may also note that XXXX XXXX has my maiden last name XXXX. My current name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Personal information incorrect

Complaint:
Experian is reporting the incorrect address on my credit report. The only address that I receive mail at is XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA 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 2021-05-11
Company: WELLS FARGO & COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Well fargo has refused to pay me my account balance on 3 different occasions. I went in for a refund after my closed account and was refused a refund after being told to come in for one. I am livid and living in my car. That money is my only way to keep my car. I have been living in my car since the pandemic. I have a weekly payment set for Friday. I need that money today! Please help me so that I can get on my feet.

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