BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: OH
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:
Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, Equifax or XXXX. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On XXXX! 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME, NEVER LATE as they should be as I was NEVER Lat

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: AES/PHEAA
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, My name is  XXXX  & I have been asked by  XXXX   XXXX  to help him file this report against  Wells Fargo.    He had Personal Checking & Savings, Business Checking, Merchant,  Visa Credit Card & even Mortgage account with Wells Fargo fo r many years.     However, in the years roughly of   XXXX   till he closed his banking account w ith Wells Fargo.. He was Charge for transactions he did not make not to add, there  was dupplicate car d ( s ) us ed in another state.     I am trying to help him sort out statements he has.   Its a bit hard because all he can tell me with certainty is that after going to the branch numerous times and being told it was a computer mistake that it would adjust, it turned into, just ignore it and  XXXX  had very good credit and he could not ignore it and he paid these charges.     Since he was given a new card from time to time because he would go to the branch often & they kept the fraudulant card its hard for me like i was saying to figure out which account numbers of so many that he has many statements to.     He paid charges he did not make.   He was changed account number and made duplicate cards without his consent.   He was a victim of fraud and some time before closing out his accounts he was told in a branch near his business that he could sue within  6years.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card number was duplicated and my PIN number stolen. The first transaction was XX/XX/XXXX for {$43.00} then XXXX for {$23.00}, XX/XX/XXXX for {$110.00}, and XX/XX/XXXX for {$43.00}. I called and reported all of these as fraudulent to my bank. The dispute was denied because I had the debit card in my possession at the time of the theft despite my telling them they are fraudulent charges. I went to the bank and got a new debit card. On XX/XX/XXXX I reattempted to initiate a dispute and was again denied. My debit card information was again stolen, duplicated, and my PIN number used on XXXX for {$53.00}, XXXX for {$130.00}, and XXXX for {$43.00}. I have re-initiated a dispute and this time started a police report because I have lost almost {$500.00} that my bank refuses to help me recover claiming that there is nothing they are willing to do because the card has been in my possession despite my telling them where I think the information is getting stolen from and the police acknowledging that cards get duplicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  XXXX  to report the same account for {$1.00} more than what was reported before.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the accounts listed be removed immediately : - XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 2021-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sirs : Ive been with SPS since XXXX and have made payments online for that same amount on time. Since Covid-19 began, Ive noticed that in XX/XX/XXXX, SPS advertised a mortgage relief program for people who were affected with COVID-19 Assistance to the borrower on your SPS website. In XX/XX/XXXX, I was laid off due to COVID-19.

I specifically asked for a COVID Relief Assistance because I was laid off due to COVID-19. I was told I was approved for the COVID-19 Forbearance program and would pay {$390.00} a month, which I have paid on time. I started payments on XXXX of XXXX of XXXX. I have disputed this with SPS many times and I get no where with them. They are purposely ruining my credit, showing late payments, so I can not refinance. I am being held hostage! They are lying to the credit companies and telling them my payments were late and they were not. 

I accepted that offer of assistance. However, now that Im trying to refinance. I ran my credit report and I found that I am 4 months behind. Which first of all, violates what I was promised. I was reported late. Second, I spoke to representatives, XXXX and XXXX. They confirmed that I am in a COVID-19 program. I should have NOT been reported as " late payment '' to the Credit Bureau because I was affected due to COVID-19. I would have never done this program if you had told me that I would be reported to the credit bureau.

Finally, SPS is receiving government funding. As a requirement of receiving this funding, you are not to report the forbearance or any late payments! In my letter requesting this, I even mentioned that this was due to COVID-19 and I can use this as evidence. They have broken the agreement. I want to report this to the Attorney General, to Customer Financial Protection Bureau, and to the Federal Bureau Investigation, to have them investigate whether or not SPS has broken any federal laws. 

I have contacted XXXX, XXXX XXXX XXXX ) and many other managers at SPS and have agreed with me that this was a COVID forbearance and should have never been reported to the credit bureau. Your website even says you will not be reported. 

I have seen the written complaints that others have with SPS and I am thinking of getting an Attorney to start a CLASS ACTION LAWSUIT against SPS. You have caused many other home owners stress and anguish! 

XXXX XXXX XXXX XXXX XXXX Thank you very much for your help and please contact me with any questions. 
Sincerely, 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 2023-06-10
Company: EQUIFAX, INC.
State: AL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to Experian on XX/XX/2021 regarding and Account/Account number, and hard inquiries that should not be on my report because it is not mine. This is fraud and should be removed. I submitted a letter, along with an affidavit to them. I tracked my package and it was received, however they ignored my demand for removal, and did not send me any information. They violated several of my consumer rights under the FCRA 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 2022-05-03
Company: EdFinancial Services
State: WI
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:
In late XXXX, my student loans were transferred from XXXX XXXX to EdFinancial. Upon the transfer, EdFinancial stopped mailing statements to us. Throughout the COVID-19 Student Loan Forebearance, XXXX XXXX continued to mail us statements and accept payments. 

On XX/XX/XXXX, I called about my account and how 3 months had passed without any statement from them. Today, XX/XX/XXXX, the EdFinancial representative claimed that in that conversation in XXXX, EdFinancial agreed to start sending my statements but by doing so I would waive the COVID-19 Forebearance. I have no recollection of that agreement to waiver forebearance, EdFinancial was not able to provide a transcript of the call, or produce the script their staff were instructed to use. As such, EdFinancial began charging interest on my federal student loans starting XX/XX/XXXX. 

Today EdFinancial agreed to reinstate the forebearance on all my lines, going back to XX/XX/XXXX ( though it's on me to check my account in a couple days to make sure it happened ). The EdFinancial story here doesn't line up. The idea that the only way for a loan service provider to create statements is to waive the forebearance is not in keeping with the experience and practice of other loan service providers. EdFinancial claimed they were following the regulations on this, but my request for them reference the actual regulation they were implementing was unmet. 

The entirety of their actions were designed to maximize their benefit and minimize my opportunity to pay off these loans. They were unable to provide any concrete evidence that their practices are mandated by Department of Education ( though they didn't hesitate invoke the Department 's name ), and is not in keeping with the practice of other service providers. 

The fact that EdFinancial so easily reversed course with ( yet to be confirmed ) retroactive changes is further circumstantial evidence that all these manipulations on their part are arbitrary and only designed for their benefit. There is no reason, save their own self-interest, they can not continue to use the USPS to request and collect payments from loanees who are looking to do so. For all the reasons stated above, their position amounts to excuses.

I got them to reverse course on this, but how many others is EdFinancial playing games with and hiding behind ill defined jargon?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. I am reaching out to you to resolve this matter as quickly as possible. As a new user on your platform, I assure you that I have not engaged in any activities that would violate PayPal 's terms and policies.

I understand and appreciate PayPal 's commitment to maintaining a secure environment for its users, and I fully support your efforts in that regard. However, I believe that my account may have been mistakenly flagged or subjected to an error during the assessment process.

I kindly request you to thoroughly review my account and provide me with specific details regarding the reasons for the blockage and limitation. I would like to rectify any misunderstandings or issues promptly. I am committed to adhering to PayPal 's rules and regulations and would appreciate the opportunity to continue using your services.

Please note that the email address associated with my blocked account is XXXX. I kindly ask you to communicate any updates or instructions regarding my appeal through this email address. 

I am more than willing to provide any necessary information or documents to verify my identity and validate the legitimacy of my account. I understand that security is of utmost importance, and I am prepared to cooperate fully to ensure the resolution of this situation. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing and resolving the blockage and limitation on my account. If there is any additional information you require or if I can be of further assistance, please do not hesitate to contact me. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: National Credit Adjusters, LLC
State: TN
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  account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After almost a year after closing on our refinancing, Rocket Mortgage/Quicken Loans is asking for updated financial info based upon their Compliance Agreement which says from " time to time '' they can ask for updated info, which, we believed this to mean during the time in between applying and closing. Not almost a year after closing. We did turn in our leased car and bought a car during that time, but the amount was the same and it was two months prior to closing.and was verbally passed onto Rocket Mortgage. 

Do they have the right to peer into our finances at this late date, a year after our closing?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My name is XXXX XXXX I am a former amex  XXXX of 6 years and was separated from the company in XXXX. 

I am currently in the interview process for a XXXX role that seems to be held up in the HR ecosphere. 

Additionally I took all the knowledge I learned while at AMEX and started a small business just as we are instructed to do : ) XXXX XXXX XXXX is a XXXX XXXX Studio located in XXXX XXXX XXXX. Last year -Opening in XXXX of XXXX during the pandemic we did XXXX in revenue in just 3 months of XXXX. In XXXX - we grossed {$54000.00} all reinvested into the business. This year we are on track to do XXXX which puts our growth margins just under 20 %. 

My dream was always to have an Amex card- I would be jealous of colleagues that would pay with them in the cafeteria of XXXX XXXX XXXX XXXX. So when I received an offer for the business platinum card, I was in awe. This was the XXXXXXXX XXXX XXXX XXXXXXXX. 

At the same time I applied for my small business platinum card utilizing my business EIN guaranteed by my personal income, I also applied for a personal card. 

As a XXXX card holder since XXXX I had always wondered why that card limit never increased above XXXX but I continued to hold the card because of its value. 

Today after XXXX hour and XXXX minutes on the telephone- I was told by underwriting, and XXXX XXXX my SMALL BUSINESS platinum card ending in XXXX is only pulling my PERSONAL credit. And that the XXXX action on my account to suddenly enforce a limit of XXXX while Have an XXXX limit could not be changed. 

As a small business customer care professional- I would always transfer customers to credit that had an XXXX XXXX to have 1 time charges approved, or open up their lines because they were on vacation and couldnt make a payment until they returned. 

However- when I asked for the same experience as a BUSINESS owner I was denied. I would hate to believe that this is due to my complexion - or XXXX. I cant imagine a company as illustrious as American Express would treat one of their own so horribly. It is my hope that you all as my internal amex community can help to resolve the issue of my impending job opportunity and my limited amex platinum card.

Company response to consumer: Closed with explanation