BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX REF : XXXX : XXXX have violated my rights. 

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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information

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 2018-10-23
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was notified in late XXXX for the first time that my loan servicing was transferred from XXXX to XXXX XXXX back in XXXX. I did not ask for my loan to be transferred, nor was I notified in advance of the transfer, nor did I approve the transfer. 

I keep receiving notifications from XXXX XXXX that I missed student loan payments. In fact, I have not missed a single payment at any point in my student loan. I made payments on XX/XX/XXXX and XX/XX/XXXX to XXXX and they were paid as always prior to the actual due date, and both payments were made before I was notified of the loan servicing transfer. 

I called XXXX upon receipt of the missed payment notice in late XXXX and was told that XXXX would be transferring my payments to XXXX so to just wait for it to process. I received a letter in XXXX from XXXX dated back to XX/XX/XXXX that my payments had been transferred to the new servicer XXXX. 

I continue to receive harassing letters from XXXX saying they are going to report my missed payments on my credit report. 

XXXX and XXXX need to coordinate between each other to transfer payments. 

I mailed proof of payment to XXXX and XXXX on XX/XX/XXXX, for payments made XX/XX/XXXX and XX/XX/XXXX to XXXX, and XX/XX/XXXX to XXXX. 

XXXX needs to ensure that there are no negative marks on my credit, as this is not my error. XXXX needs to cease in sending me harassing and threatening communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a complaint against credit reporting agency TransUnion through the consumer financial protection bureau. On XX/XX/XXXX I received a response stating that there was a response from the company. The response said that after " CAREFUL REVIEW '' it was determined that the information was not currently on my Transunion report. However, upon further research into the matter I have determined that the item is indeed showing on my Transunion report. The item appears as XXXX XXXX in the amount of {$200.00} with the original creditor being XXXX XXXX. It seems to me that Transunion 's " careful review '' is inadequate. Below is the original text of initial complaint. 

On XX/XX/XXXX I received an email correspondence from a representative with XXXX XXXX AKA XXXX XXXX. This correspondence stated that I had a past due bill of {$270.00}. The representative stated that {$25.00} of that amount was a late fee that was agreed to being waived after I had complained about it being added. Therefore the amount to be paid was now {$240.00}. I paid that amount. There should have been no more billing after that payment as my account had been closed for quite some time at the point of that payment. However, XXXX XXXX AKA XXXX XXXX, continued to bill me with more charges. I disputed this information with the credit bureaus at some point and had these erroneous entries removed from my credit report. Over the course of time I have lost the original billing statement that I had sent in to the credit bureaus to prove that I had paid what I had owed at the time. XXXX XXXX AKA XXXX XXXX sold the account to another debt collector and this falsely reported charge off has been hindering me for years. I even requested billing statements of which the collection agency provided incomplete statements. This collection agency provided statements from XX/XX/XXXX and beyond. These are statements that should never have been sent me. When I requested statements from XXXX and XX/XX/XXXX I never received a response with that information. Every time that I dispute this information with the credit bureaus, the credit bureaus allow the information to remain and report it as " resolved ''. If they have information to say that I owe a continued debt that I know that I do not owe, then they should be able to provide a statement of what was owed to them as of XX/XX/XXXX. That is the debt that was paid. I do not owe this company any more money nor should I owe any company that they sold a false debt to.

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 2023-09-01
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a cash app account that got hacked and the email and pin were changed. I have contacted them multiple times and they did not help.. I also had my sponsor for this account to contact them via phone and they were unwilling to help... I have provided all the information that they have asked for to gain access then they disconnect the chat ( on line ). I still had money on that account and would like access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: DISCOVER BANK
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a Savings Account with Discover Bank and was denied due to issues with their identity verification process. For reasons their representative can not explain other than " It's policy '', they are unable to validate me against an existing Discover credit card account that is in good standing. They will not open the account unless I send notarized documentation to them. I offered to send them photo ID ( US Passport ), offered them additional phone numbers to validate against, they refuse and insist on the notarization process. I do not feel I should have to pay money to a notary to open a savings account, particularly with an institution that I already have an established and very positive relationship with. The need to validate my identity is understandable, given the threat of identity theft, but they should have a process in place to accomplish this that does not cost their customer an undue amount of time or money. This is particularly frustrating given that I already have an established relationship with them on the credit card side of the business and can not simply open a new account off that established relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 2023-09-01
Company: Source Receivables Management LLC
State: CA
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:
Hey, so long story short. I got a bill from XXXX. I've never owned a XXXX account, I've always used verizon wireless XXXX They told me to make a police report, which I did ( XX/XX/23 ) I'm in the process of submitting my police report for identity fraud and get this sorted out. I'm writing because the letter I received said, I have till XX/XX/23 to dispute it. I need another week or so, cause the police department is really slow at getting me my case file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my IRA in PNC in XXXX ( no minimum required and no fee ). In XXXX and XXXX, there were no fees charged. In XXXX, I left PA for training but still got my mail and all notifications. I just got back from training and recieved my XXXX statement a few weeks ago. I noticed a {$25.00} fee. I looked back at my other statements and through every single piece of mail. {$25.00} was charged for {$2000.00} also ; there was no reason given nor notification sent. The {$25.00} was more than I earned in interest! I called PNC on the XXXX and they claimed it is a custodial fee they " recently started '' and issued because I had less than {$2000.00} in the IRA. I informed them I have many IRAs and have never been charged a fee 'all of a sudden ' and I was never informed upon opening the account to have a certain amount in. That and for 2 years, I was never charged .... They said " as a one time courtesy, we will give you {$25.00} back '' .... I want the {$50.00} back and the ability to either put the money in to not get charged again or just transfer it out to another IRA. They said they'll have to charge for the transfer ... .. Four weeks have gone by now and PNC is still not able to admit their mistake upon charging me and will not put the remaining {$25.00} back into my account. It is absurd to have to pay PNC for holding my retirement money for me and 1. not make any money for it 2. not be able to have this quickly rectified so I can do my part and put money in until its due and take it out w/out yet another fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This will be the 3rd complaint I've had with Wells Fargo. My question and concern with the preservation department is that ive had well over 6 or 7 reps working on my case and as a consumer i'm lost on whose working my case and whose not??? Everytime I give them the documents they request they keep on adding documents they need to re-modify my loan therefore making this process go on for nearly 7 months now. I believe whoever is the head of the underwriting department needs to be aware of this. I provided back XXXX all the information wells fargo was requesting, then like 3 weeks later they ask for a tone of different more documents, strictly just calling me a liar that I don't live at XXXX XXXX XXXX, that all my mail goes to 3 carriage cove where I used to live that is correct because I still have furniture at that residence that I haven't picked up so I come every week to 3 carriage cove to pick up my mail I've already provided Wells Fargo a proof of occupancy from XXXX XXXX XXXX, pay stubs, income tax return etc ... I believe as a consumer i'm being descrimated against and being called a liar, which is highly illegal in the banking industry. I wouldn't be this concerned if I didn't care about keeping my property!!!!!!!!!!!!!

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-14
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-12-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Creditors Bureau Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor Bureau calls me everyday, they have my medical information and mailed me a copy. I want this company to CEASE & DESIST FROM CONTACTIING ME CALLING MY PHONE LEAVE ME ALONE,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Im in the XXXX, I got this car for 21 % arp, which the Finance guy at the dealership said I would be able to refinance in 6 months. Listening to my brother I was fine with bitting the bullet for 6 months with a payment of {$440.00} each month. The dealership didnt have in my packet that I was XXXX XXXX so this I got the loan off of for XXXX for my car was charging at 21 % which one day I was told they didnt even have In my loan that I was XXXX and if I gave them my XXXX XXXX orders that I Would qualify for lower interest rates. Since months go by I try to put in a request and receive nothing back from them in the mail or email. Calling them about 2 times every week to see if there is any progress with and after about 4 months of going back and fourth Im done paying and I want my payment lowered this company keeps giving me the run around Im done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to XXXX  XXXX, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto portfoliorecovery when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX va XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
Hello I have tried Numerous of times to dispute 2 XXXX federal accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.

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 2021-12-01
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation