BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Ascendium Education Group
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In a nutshell, XXXX in-house collections agency committed fraud by lying to the Federal Government in order to procure my federal tax refund. In XXXX of XXXX, after I became unemployed, I called XXXX to set up a payment arrangement for my defaulted student loans. Being unemployed, I could only set up a minimum payment of {$5.00} at the time. I was told by the supervisor ( who refused to give his name ) that amount was unacceptable. I told him I could not afford anything more, to which he replied that they would just submit a wage garnishment to recoup payment. I then informed him that I was unemployed so a wage garnishment would be a moot point. This upset him. I also asked to only be contacted via USPS, because I was tired of their repeated calls daily ( upwards of 5-6 calls daily ), which angered him further. I again offered the $ XXXX/month payment, he again refused it and said there were other ways to get me to pay and ended the call. Fast forward to XXXX of XXXX, and Im due my federal tax refund. On the day it was to post, it was offset by XXXX, in the amount of {$3000.00}. I called to inquire about the offset, and was told by the representative ( XXXX ) that the offset was entered at the end of XXXX due to failure to make payment arrangements with the collections agency. This is where they committed fraud! I did try and make payment arrangements, the collections agency refused the amount. They then told me that I had to contact the collections agency again to set up a payment arrangement. So I did, and was placed on their rehabilitation program where I am required to make ... wait for it ... a payment of $ XXXX month! The EXACT SAME payment I tried to make in XXXX. The collections agency LIED in order to procure my federal refund, which Im pretty sure is illegal, hence my use of the term fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 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 antedates 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 2022-12-19
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I entered a verbal agreement to exchange currency with a person over XXXX. He agreed to send me {$27000.00} first, then I would send equivalent amount in XXXX to a XXXX a/c designated by him. On XX/XX/2022, he sent me an image of wiring ( the exact subject transaction ). On XX/XX/2022, the subject wiring was settled and that amount became fully available in my account, and then I followed thru by wiring XXXX  XXXX to the account designated by him. After learning that the subject transfer was a suspected fraud from Key Bank on XX/XX/2022, I filed a police report with XXXX XXXX. I also reached out to the XXXX bank that I wired XXXX  from, and asked them to recall my wire, but they told me it was too late to recall that wire transaction. At this point, I stand to lose all of the {$27000.00} if you return the money to the sender and I would become a victim of either fraud or misoperations of banks. 
I have tried many times since my account was blocked, reaching out to KeyBank customer service, fraud department and the XXXX branch where my account was opened. Despite so many different phone calls, no one in Key Bank had ever told me that there was fraud on this incoming wire or asked me about it. This transaction is part of an agreed currency exchange of XXXX currency and USD with this person. And I already wired the XXXX  amount equivalent to {$27000.00} to the person as per the agreement, after I saw this income wire of {$27000.00} was settled on XX/XX/2022. If you return this wire, I would lose all of {$27000.00}. I opened a police case on this potental loss with XXXX Police in WA. The case # is XXXX. I now urge your bank to honor the settlement of this wire transfer and unblock my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 customer service

Complaint:
I tried to view my current interest rate for my credit card. I logged in to their online platform and tried to look up the interest rate and it can not be accessed. 

Usually, they provide interest rates on their statements, and their Help FAQ section tells customers to look at statements to find the rate. However, I have not had any recent transactions on this card, and without transactions, they do not provide statements. I can request to have a paper statement sent to me, but that could take up to 7-10 business days. 

I called the help line to confirm, and the representative not only confirmed this, but she said there would be nothing to send because Bank of America does give statements without recent activity. She also could not find the current interest rate for me to view on my portal and had to transfer me to a supervisor. 

I think this is criminal and not ok that consumers can not view their interest rates to know what they are going to be charged before deciding to use a credit card. Bank of America should give a statement each month, regardless of whether or not there are transactions, and they should give customers access to their interest rate information 24/7.

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 2021-09-08
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
PenFed illegally altered the payoff amounts to another PenFed loan ( XXXX ) and credit card ( ending in XXXX ) specified in documents closing on my home equity loan XX/XX/XXXX ( No. XXXX ) after the disclosure was issued and closing took place. 

PenFed was obligated, according to the signed closing documents, to pay off the personal loan and credit card. It was further obligated to accurately calculate and disclose payoff amountsa simple enough task since these were amounts owed to PenFed itself. 

More than two years later, PenFed began asking for payments on a {$3000.00} personal loan balance that should not still exist. I note the text at the top of the disclosure declares This form is a statement of your final loan terms and closing costs. I was never notified prior to a letter from XXXX XXXX, Chairman, Supervisory Committee, dated XX/XX/XXXX, of any deviation from the payoff amounts. In fact, PenFeds closing attorney explicitly told me at closing that all prior PenFed borrowing was being paid off and those accounts closed. I am separately investigating possible fraud on the use of the credit card after closing. However, in any event, the account should have been closed, preventing any fraud from occurring, and the closing documentwhich must have final sayagain shows an amount different from what PenFed reported XX/XX/XXXX. 

Notwithstanding another communication from PenFed after the closing, the closing document was legally sacred and there was no reasonable excuse for disregarding the payoff 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 explanation
Consumer complaint received 2023-07-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requesting contract with my authentic signature that started this alleged debt from Midland Credit Management. I am within my rights by requesting this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Opened Checking Accts ; @ XX/XX/2022. XXXX XXXX XXXX XXXX  XXXX XXXX account. Both accounts were approved for banking access & had been active since. Deposits, Transactions were being made without issues nor discrepancies. 

Bank sent letter to account holder in late XX/XX/2022 ; regarding address verification and XXXX documents to be presented at local branch banker. Account holder followed through and presented valid documents, state license with official address, social security card, & validated proper procedures as to the requirements made by banking institution. 

Banking institution claimed they sent second letter to account holder advising the same issue ; and if documents weren't submitted, the possibility of account closure would occur. 

Instead, account holder accounts were closed. Banker advised due to XXXX XXXX XXXX. Institution sent XXXXXXXX XXXX Check for the amount of the account balance. Accounts were closed on XX/XX/XXXX, without warning or reasons to which were addressed & managed by bank branch manager, who made it known, that everything was good and verified by account holder, and request had been resolved.

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 2019-08-25
Company: Riverwalk Financial Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Account information disputed by consumer, meets FCRA requirements. I need written XXXX of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good Afternoon, My name is XXXX XXXX and Im currently an XXXX on XXXX XXXX in the United States Marine Corps. 
Im a helicopter pilot based out of XXXX XXXX and have been in for 6 years. 
Recently, my intelligence shop has notified me that my student loans have been flagged in their system, and because of that, I may lose my security clearance, and potentially my job. 
Unfortunately, my current student debt is up to {$180000.00}, and even worse its a private loan from Sallie Mae and Navient. 
When I first signed for the loans, my dad and I agreed that we would split the debt and pay it off individually, but just over a year ago, he passed away unexpectedly from XXXX  XXXX. Because Im the co-signer, I have taken the entirety of the loan. My mom has stopped paying the other half, and weve recently discovered that dad did not leave anything behind for my family and I to help cover this debt. 
I currently live on base with my wife and son, living on one income to support us as she also attends school. 
Ive contacted Sallie Mae and Navient about the situation. I was paying about {$800.00} a month after I joined the military, but since the passing of my dad and now supporting a family, I can not make that kind of payment. Ive offered to pay an amount within our budget, XXXX a month, but they have both denied that offer. 
XXXXm reaching out in hopes that there may be something youd be able to do to help my family and I in this situation. Anything would be greatly appreciated. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Exeter Finance Corp.
State: DE
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:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with EXETER FINANCE LLC to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. EXETER FINANCE LLC has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. EXETER FINANCE LLC has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). -15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means latel payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. EXETER FINANCE LLC has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.

-18 USC 1 conspiracy against my rights is affecting my ability to operate in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been disputing an XXXX XXXX XXXX for 5 months and I was told each time it would be removed and I have to wait 90 days. I reached out to Transunion 16 times and XXXX 50 times. There representatives are rude and lie about things. I received a letter XX/XX/XXXX a request to remove the inquiry of my account and recover any points that were lost for the inquiry. I sent it to Transunion and I still have this inquiry on my report. The inquiry was made on XX/XX/2022 and I am still reaching out to get it removed. I attached the letter sent by XXXX also.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX   XXXX XXXX  XXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation