BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: MN
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 account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.

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 2022-05-04
Company: EQUIFAX, INC.
State: TX
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:
I have a car loan that is reporting on my credit report. I never received a letter stating how much it was sold for or current balance. They are still reporting incorrect balance because I never did receive that information. I have tried to reach out them but they have not responded or keep trying to verify incorrect information. I want it removed from credit report. 

It is a car loan reporting for XXXX XXXX that was a charge off. This information is not correct and noone will respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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 HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.

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 2022-05-04
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. 
Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. 
Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. 
Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. 
Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06
Company: Diversified Adjustment Service, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
unsolicited cellphone call on XXXX/XXXX/17 at XXXX XXXX went to voicemail, meaning a phone service charge to contact the voicemail service. I do not have any overdue bills or debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used XXXX via Truist Bank with my business account on Saturday XX/XX/2022 to send {$170.00} to XXXX XXXX. More than 24 hours later, the transaction is still pending. I called Truist customer service twice on XX/XX/2022 at XXXX and again at XXXX. Both agents could not adequately and accurately verify my account. I requested a supervisor and the first agent XXXX said her supervisor refused to take the call as she didn't see it necessary. I asked for the supervisors name and XXXX stated the supervisor forbade her from releasing her name to me on a recorded call. I hung up and called back and got someone by the name of XXXX. I requested a supervisor and she too, stated, the supervisor refused to take the call unless i verified the account. However XXXX unsuccessfully verified the account and i no longer wanted to speak with her. I requested the supervisor again and she hung up the line.

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 2018-12-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is regarding collection from XXXX thru Resurgent Capital Services. 
My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX. 
These debts are listed as follows. 
XXXX XXXX {$3000.00} XXXX  XXXX {$2700.00} XXXX XXXX   {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ). 
I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX  XXXX and XXXX XXXX   on both accounts. Instead of helping me with the issue, XXXX   XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this. 
Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In  XXXX     2017, I sent a request to each  XXXX , Equifax and   XXXX   XXXX   regarding removal of the extended fraud alert on my credit pro file. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :  XXXX  : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert Equifax : Has failed to make any response to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
PLEASE REMOVE ALL FRAUDULENT INQUIRIES ON REPORT SUCH AS XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. THE COMAPNY WILL NOT REMOVE EVEN THOUGH I HAVE DISPUTED IN THE PAST AND STILL DENIED MY WHICH IS 18 USC 1028 A - AGGRAVATED THEFT. PLEASE REMOVE 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 2022-05-04
Company: Experian Information Solutions Inc.
State: WA
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 following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have noticed Experian furnishing information on my credit report that I never gave the permission to furnish. Experian is reporting late payments on multiple accounts and multiple dates. I never gave Experian written permission any Information pertaining to late payments because I also paid as agreed. According to 15 usc 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other ... .. in accordance with the written instructions of the consumer to whom it relates. I have reached out to Experian over 30days ago.

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 2022-01-24
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:
Equifax- The account is XXXX XXXX this account shows that I am an additional on a flexible spending account- I have never ever had an account with XXXX XXXX- i he disputed this as fraud- requested ho was this validated, who they spoke to and the method of validation. per the Fair Credit Reporting Act 15 USC 1681 section 610 ( B ) indicates that I have the right to request this information and it to be disclosed. I have never ever received this info- XXXX XXXX does not have it and they have advised me that it is fraud and should be removed, they even provided a fraud case # n their end as a referenced since ir has been deemed fraud? CSE # XXXX so how was this verified? who did you speak to? what method was used for verification? 

This is the same issue with XXXX XXXX XXXX. I have never had an account- hey indicated it was fraud. 

the other bureaus have indicted fraud and removed so how can you validate this debt? what was used? if everyone uses the same information how did you validate and to keep it on my report? Equifax is breaking the consumer laws and the CFPB i allowing it. they are not reporting accurately/. 


please Remive- XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and send me an updated copy if my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 rewards from credit card

Complaint:
Booked a trip using my miles+cash on XX/XX/2020, from XXXX to XXXX to XXXX. Trip ID XXXX. Ref. No. XXXX. Agency Ref. No XXXX. Since the trip has been canceled. I used 110K miles plus {$230.00} on my Capitalone credit card. It is impossible to speak someone from their travel agency. I was on hold more than 2 hours. Impossible. All I want is my miles and cash back. I am a XXXX  years old senior. Finally, this morning talked to someone, she told me they can only give me a credit for this trip, a supervisor was going to call me in 5 days. I want my miles and money back. Appreciate your help. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$350.00} to my brother in XXXX on XX/XX/2021 using MoneyGram. He tried to pick up the money in XXXX XXXX and selected e-transfer option but value has not been given to date. We have both complained severally and MoneyGram has not been able to resolve the issue. We were told they are still investigating the issue with their e-transfer partner. The burden of the internal process has been placed on the customer which is ridiculous. The transfer was to settle a time sensitive transaction and I have lost money because of this. The case number for my complaint with MoneyGram is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: NAVY FEDERAL CREDIT UNION
State: PR
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 the Fair Credit reporting act Navy federal account # XXXX, and account # 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 : it also states the 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In  XXXX   2017, I sent a request to each  XXXX ,   XXXX   and Trans Union regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verif ication.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :   XXXX   : Responded by ADDING an initial fraud alert  Trans Union : R esponded by ADDING an initial fraud alert  XXXX  : Has failed to make any response to the request.

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 2022-01-24
Company: Experian Information Solutions 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal 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 non-monetary relief
Consumer complaint received 2016-08-23
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have requested that Ocwen Loan Servicing correspond with our Attorney to agree upon a loan payoff offer. They continue to delay stating that they do not have permission to speak with a third party. I gave permission by phone and by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
on XX/XX/2023 i sent {$50.00} to a friend using Cash App ( Identifier # XXXX ). Cash App responded i need to pay a {$30.00} clearance fee. Same day i sent {$20.00} ( Identifier # XXXX ) also requiring a {$30.00} clearance fee. This is the first ive known of a clearance fee. i have requested Cash App refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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 have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.

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 2018-12-03
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was previously having my loans serviced by XXXX and was on a payment plan with a low payment for the year based on my limited income. I then switched my lender to XXXX as part of the PSLF program. Before switching I spoke to XXXX and was told I could continue with my existing plan at my current payment. After switching I was told I would need to resubmit a plan. I called XXXX again on XX/XX/XXXX and I was told again that I could continue with my previous payments but my plan would be changed in XXXX after tax season. Today I received an email stating I owed over {$2000.00} and after calling XXXX I learned that everything I was told was a lie and now I need to change my plan which will cause my interest to compound costing me thousands of dollars. XXXX directly lied to me to increase my student loan burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent INTERIM RESPONSE to CFPB XXXX We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. is most recent evidence of TransUnion continuing obstruction and corruption.

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 2022-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a text message from what claimed to be Wells Fargo asking if I authorized a XXXX transfer. I replied no. Then a few minutes later I received a call from what was the exact Wells Fargo customer service number. I spoke with someone who claimed to be a banker and he stated that someone was taking XXXX in XXXX and that to stop it I needed to XXXX money to myself. I added my phone number and name as a receipient after verifying again that it was the Wells Fargo phone number on the website. I then completed the transfer after the banker told me that this was the only way to stop the theft. They hung up on me as soon as the money left my account and I realized I had been scammed. I called Wells Fargo right away to report it and since then they have claimed they have no obligation to help me regain my funds. I have escalated the case 4 times and have been denied every time because they claim even though it was coerced I authorized the transfer.

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