BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: VELO LAW OFFICE
State: MI
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:
Velo Law is claiming I owe a debt to a place I have never even visited for a purchase I never made. The items purchased were not items I own nor have I ever been in possession of and the address ( Hazard/Hazzard ) used by the person who purchased these items I have never lived at. My name is a very common name and my identity has been stolen before. When I requested proof of my signature for these purchases and a list of what was purchased it was never provided. I was just told it was proven to be my debt but I was never given proof as to how they came to that conclusion. I want this debt removed from my credit report because it is not mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear CFPB Representative, I am reaching out to request your assistance in removing the fraud alert on my credit report. Despite my direct communication with the credit bureaus regarding this matter, no action has been taken. The Fair Credit Reporting Act ( FCRA ) states that credit reporting agencies must investigate and correct any inaccurate information on a consumer 's credit report. In this case, the fraud alert is an error that needs to be rectified. Therefore, I kindly request that the CFPB reach out to each of the credit bureaus on my behalf to ensure the prompt removal of the fraud alert. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: TX
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:
I HAVE RECIEVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANYS ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
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 information incorrect

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

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not 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 explanation
Consumer complaint received 2018-04-08
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I requested help in XX/XX/XXXX and explained that I have a XXXX XXXX, XXXX XXXX, and that my husband who was the sole breadwinner since I couldn't work -- was gone due to a tragic accident. I've called and emailed several times since then. I thought everything was set, according to the man I spoke to over the phone, that I would continue to pay interest only -- {$120.00} every three months. I was really hoping to postpone or discharge my loan, but I was told that was not possible. Then I received a letter saying I was delinquent end of XX/XX/XXXX, and it made no mention of my interest only agreement. The payment I made that was supposed to be for interest only, was used as a normal payment. They sent me an email saying they are planning to garnish my wages. I am dependent on my savings for survival ( medicine, food, minimum payments of bills, utilities, gas, insurance, etc ) since I can not work and have no wages. Can they go into my bank account and take my savings? I have been working on this since XX/XX/XXXX and they are saying I'm behind about {$500.00} dollars currently. I also have a cosigner and I am afraid HESAA will garnish his wages and ruin both of our credit. So far HESAA has not honored our phone agreement and continue to claim I did not " properly '' submit their forms -- which I have submitted multiple times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Hard inquiries in my credit report that i dont recognize:
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 2020-08-06
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: Public record information inaccurate

Complaint:
I have contacted Experian several times regarding this issue and they will not remove the inaccurate information from my credit report. Listed are two Bankruptcy that does not belong to me. Experian claims that they have " Verified '' the items as accurate, with the United States Bankruptcy Court. I contacted the US Bankruptcy Court and spoke with XXXX ( Chat ) attached. She stated that they do not report information to the credit bureaus and that there was a separate company by the name of XXXX that Experian is using to obtain information.XXXX  is not listed as " Information Furnisher '' as well, full social security numbers are not provided for public use by XXXX. How did Experian " Verify : this information if none of the address information matches my credit report and they do not have a " Full Social Security Number to confirm this even belongs to me. With this said there is Reasonable Cause to believe this information is inaccurate reporting on my credit. Because I have made Experian aware of this, and they continue to report, they are willfully and KNOWINGLY reporting inaccurate information on my credit. Attached is my, Driver License, Social Security Card, Chat Transcript for US Bankrupcy Court, and Utility Bill in my name. All documents that was also forwarded to Experian. I am submitting this complaint because, Experian claim to have Verified, Unverifiable information. This is against the law. I need these items removed from my credit promptly.

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 2020-08-06
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I immediately called the Cash App customer service line and informed them of {$100.00} that was taken out of my account without my consent or knowledge it was fraud. It was debited by XXXX XXXX XXXXXXXX XXXX XXXX. I was told file a report and I did and emailed the police report to Cash app. 

I have not received the refund owed to me and been given run around know for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Windham Professionals, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Windham continues to try to collect $ for a month if insurance that was not ever valid. XXXX ins. Canelled policy in XX/XX/XXXX & Windham keeps trying to collect for XX/XX/XXXX. XXXX even confirmed {$0.00} due in XX/XX/XXXX. All evidence available.

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 2021-04-12
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi I did not receive notification of this debt. After pulling my credit report, I saw this on there and called them to discuss. I decided to pay the debt because it was a small amount ( {$79.00} ). I made this payment on XX/XX/XXXX and I was promised the debt will be removed ( information send to the credit reporting agencies : XXXX, XXXX  and XXXX  ). I also requested a letter to be sent to show proof of settlement of this payment and as of today ( XX/XX/XXXX ) I have not received this letter. I need to get this financial transaction completed ASAP and they are hindering/jeopardizing this by not resolving this issue in a timely fashion. 

collection agency : Online information services telephone:XXXX Imaging Consultants XX/XX/XXXX {$79.00} + {$46.00} + {$14.00} = {$130.00} confirmation : XXXX Manager : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
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:
MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am writing for assistance with a private student loan vendor, Citizens Bank. I have two private student loans totaling $ XXXX with high interest rates around 11 %. This results in monthly payments of about $ XXXX that represents over 27 % of my take home pay -- and that is just interest - none of these payments are actually touching principal. 

I reached out to the servicer, XXXX XXXX who offered a 2 month deferral of payments but that the interest continues to accrue. They report the only option is a refinance. But I have exhausted all options for a Refinance. 

Citizen 's Bank tells me I don't qualify to refinance through them, this is probably due to an old bankruptcy from about 2 and a half years ago. I don't have a co-signer available to me either. 

I have called all different parts of Citizen 's bank and they have told me they will not modify the loan terms in any way. I'm told the only time that starts being discussed is once I fall into default. 

I'm trying to be proactive and reach a good solution on these loans without falling into default, but I won't be able to do this for long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/2023 I applied for a Discover credit card that offered a Balance Transfer I was approved for the card with a {$12000.00} limit During the application, there was a form for a balance transfer. 
I filled the form requesting a balance transfer from XXXX XXXX account # XXXX in the amount of {$2900.00}. I did not receive confirmation that the balance transfer was accepted or pending at this time. There was on information on the application or in either email received on XX/XX/XXXX or XX/XX/XXXX On XX/XX/2023 I received the Discover card in the mail and called to activate the card. 
Account number # XXXX On XX/XX/2023 I created the Discover online account. 
I checked the Balance Transfer page in my account. 
There were no pending Balance Transfers listed at that time. 
I received no indication that there was a pending transfer either via mail, email or in the online account. 
At that time, I still wished to proceed with a balance transfer request, so I put in a request for a balance transfer from XXXX XXXX account # XXXX in the amount of {$3200.00}. 
I received this notice via email : " XXXX XXXX, we got your balance transfer request Here are the details : Transfer Amount : {$3200.00} Financial Institution : XXXX  XXXX ending XXXX XXXX Rate ( XXXX ) : 0 % Estimated Transfer Fee : {$97.00} Offer Duration : 18 months An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 5-7 days. 

Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited. 

And when it posts to your account, you'll get an email from us. '' To clarify, I NEVER received a confirmation like this for my original request either on the approval screen, by email, or by any other form of communication. This is where I feel the error lies with Discover ; the absence of any such confirmation is what prompted me to request another balance transfer. If there had been any indication of pending or accepted balance transfer request in process, then I would have never made a secondary request. 

XX/XX/2023 I received two emails stating that each balance transfer request has been processed. 
This has resulted in a balance of $ - XXXX in my XXXX XXXX I contacted Discover twice to request resolution because there was never any indication that the original balance transfer request was received, pending, or accepted. 
I requested that one or both balance transfers be reversed. This was denied.

I requested that one of the balance transfer fees be refunded. This was also denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Well back in I believe 2011 I lived in XXXX XXXX, NV. I had a Wells Fargo checking account. My account was closed due I believe empty envelopes in the deposit slot at the ATM. AND there was no money or checks. At the time my account had between $ XXXX {$400.00}. I never received my money that was in the 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 explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from 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 2022-12-19
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is a business account for XXXX XXXX XXXX at PNC Bank. 

I had a wire come in to this business account for {$85000.00} on XX/XX/2022 from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX. This was payment for services rendered. 

Because I had fronted monies for this service from a personal bank account, I needed to withdraw this money from my business account at PNC Bank to my personal account at XXXX XXXX XXXX 

On XX/XX/2022 I tried to wire this money to my personal account at XXXXXXXX XXXX XXXX  The transfer was denied from PNC Bank because it was money going from my business account to a personal account. They did not like this because it had been an international wire. 

On XX/XX/2022 I was interrogated by the person " investigating '' the event, the Branch Manager and the Business Manager. I was told I HAD to tell them every detail of this transaction as the bank had a " right to know ''. It was an interrogation which all three of them asking questions fast and furiously. 

The service rendered was the planning and supply of chicken wings from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details should not have been in question, but they were relentless. I was told that it could take up to XXXX weeks for the investigation. 

I had a medical emergency two weeks later which I informed PNC Bank because I needed access to that money. I was told that the decision had been made to close the account and to reject the wire due to the bank not being able to confirm the wire (? ). The wire was to have been rejected on XX/XX/2022 and I was to reach out to my client so he could send me the money again to another bank outside PNC Bank. 

My client had not received the wire as on XX/XX/2022 and neither had his bank. I was very concerned as to why. I reached back to PNC Bank and was contacted by XXXX from their XXXX customer service and was told that " No, the account was not closed, but sill on hold and the wire had not been rejected back to the bank where it came from yet ''? She had no idea as to when it would be sent back and that these things take time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation