BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was doing a routine check of my credit score which I do regularly and steadily maintain around a 740 credit score with 100 % payments on time when I notice my score down to XXXX with an alert regard a new collection. Noticed a collection from sunrise credit services on XXXX for a collection of {$34000.00}. They are collecting for XXXX XXXX XXXX phone services. I have never had XXXX XXXX XXXX for a phone service ever in my lifetime. Sunrise credit services listed an address on there files for collection at XXXX XXXX XXXX XXXX OH. Which I have never lived or know of. An email address of XXXX which does not belong to me. XXXXXXXX XXXX  XXXX account was opened XX/XX/XXXX and went to collections XX/XX/XXXX for {$34000.00}. The only reason I have any knowledge is by checking my credit score. I have never been contacted by phone, mail, or email for any type of account regarding any type of overdue balance or any account at all involving XXXX XXXX XXXX. I called sunrise credit services today on XXXX for information regarding this fraudulent debt and they said they can not provide me with any documentation stating the origin of the debt, and instructed me to get a police report and watch my mail for a fraud packet. I spoke with XXXX XXXX  from sunrise credit services at XXXX XXXX for approximately 14 minutes on XXXX I do not understand how a company as reputable as XXXX XXXX XXXX could even allow someone to get {$34000.00} in debt, let alone with out ever making an actual identification of the person receiving there services or even a inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
These cards are an absolute joke, I tried to talk my mom out of getting them for XXXX gifts, but she thinks they're just like money. They are NOT. I've literally had to soak the card in soap and water just to get a glimpse of the actual number. I activated the card just as it instructs, online and called the number. I can not believe these instruments are even authorized to be currency. I'd love to see a balance sheet with these companies on how much is received vs spent because they are that hard to use. Especially since the amount has to be equal to or under the value of the card. Which almost always leaves at least money left on the card that will never be used by the recipient.

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 2023-11-29
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I made a transfer from my Chime Checking account in the amount of {$1500.00} to an email address which Chime obviously can do. The money was sent at XXXX XXXX and Chime bank said someone claimed it at XXXX, only XXXX minutes later. The recipient has said they have never received it. I have contacted Chime at their support center many times via email and phone only to be told at least 10 different ways this should be handled. I finally consulted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they contacted Chime. The final result is that Chime refuses to talk about this any more unless I file a rebuttal, again, and now I have to wait for 45 days. I am asking for a refund or at least the information I requested. 

This money is quite important. It was for rent and other bills. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Text received from USAA about my name getting added to someones profile. A second alert received today to call to secure your account and personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The morning of XX/XX/2023 someone entered u.s.bank in XXXX XXXX XXXX. Deposited a XXXX check into my checking account. Then he withdrew XXXX from my account after teller told him how much was available for withdrawal at time of deposit. Bank called me 30 minutes after withdrawal to verify I had made deposit and withdrawal. I said no and she locked the account and me to go nearest branch and fill out fraud complaint paperwork. I did this paperwork 3 different times because he time I inquired, they said they needed it again. 4 months later, I'm still without my money.

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 2024-01-20
Company: Westlake Services, LLC
State: GA
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:
In short I bought a car from us auto sales. They sold the contract to westlake who illegally repossessed my vehicle. I would like it removed by both parties for breech of contract by us auto.

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 2024-01-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So I deposited a check into my Truist account with a large sum due to a car sale on XX/XX/XXXX, the funds where released in placed into the account in full on XX/XX/XXXX. Ive been calling since the money was released and they have been giving me the run around. They closed the account and locked my access online and debit card access. Ive talked to the fraud department numerous times and they always try to push the date back. Ive called 4 times since the XXXX. I have a video of my account and the amount inside the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I got a 1099 in XXXX stating I have {$460.00} credit re refunded. I asked them where is the check they said they will mail the check. It has been 4 years they have been doing that. Last I called on XX/XX/XXXX and the. XXXX and both times they said they submitted that payment and it will take 30 days. Nothing happens. I am tired of it. It cost me {$750.00} in CPA fee to see the discrepencies in my taxes. I have recording on those calls from those date mentioned above. I need my refund and losses and along with my time spent on this.

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 2024-01-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

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 2024-01-04
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
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:
I have called and mailed XXXX multiple times and also have been discussing with Simmons Bank my mortgage account # XXXX. XXXX accidentally removed my mortgage from their reporting almost a year ago. My bank Simmons Bank has also been sending XXXX the data to report but they are failing to do so. I've called recently and they requested i send my contact information to approve the reinsertion of Simmons Bank Mortgage account # XXXX. I have provided ( Attached ) a credit report from XXXX showing they where reporting my mortgage before account # XXXX. Also ( Attached ) I have the letter Simmons has sent XXXX time and time again. Furthermore, I have attached my recent XXXX and XXXX Reports showing this account in good standing. I need XXXX to insert this loan and history into my credit file and be fair to me in their reporting. XXXX has recorded calls of me calling about this and we have a paper trail over one year requesting this to happen. Our next step if XXXX doesn't comply is to exercise our rights under FRCA guidelines.

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 2024-01-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am beyond stress with this company Wells Fargo. I have been needing help/ and assistance from them and I havent received any or they denied everything. 
And now my home is up at the state auction sale on XX/XX/XXXX My problem with this company is on going until, as they stated, pay the full balance so you can keep your home!! 


Wells Fargo denies a loan modification Wells Fargo refuses to accept a reinstatement Wells Fargo pursues a foreclosure or sheriff sale They sold my loan to another company about XXXX, and they maximize my credit and charge arcrueing interest that i was not aware of. I can not recall any type of mail from them until when XXXX wells fargo has been fighting to sell my home. 

I received a knock on door sheriff give me paper my home is on auction.. I was never aware I had something against my XXXX deed. I dont remember having a representative told me during the start that my loan that this was attached /against my home. The loan says XXXX XXXX credit card, XXXX as XXXX is my second language visa is credit card. I also try to remember it was {$5000.00} credit, not {$35000.00}. They try to confuse me!. I come from XXXX in XXXX, not understanding XXXX well. 

I know well alot of people got scammed by them I read bad story wells fargo take peoples home. Thats why this company got sued, and now i am one of the victims. 

Now im stuck., they charge me alot of interest I dont know how. There are probably lot of fees I dont know about. 

If I knew about this debt before XXXX or when i refinanced I would have argue about the debt, BUT THIS DEBT WAS NEVER AND IS NOT IN MY CREDIT REPORT!. 
How do one company not report a large amount of debt to the credit company? 
I have a mortgage from XXXX XXXX  XXXX and they are my main mortgage. I have never had any problem with them since XXXX when I refinance my loan. I PAY MY MORTGAGE ON TIME. 
I have never seen wells fargo in my credit report So i was not able to dispute this thru credit bureau. 
So CFPB i need help, and I to everyone that is going thru this stressful situations with WELLS FARGO, WE ARE NOT ALONE.!!

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 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I write to you in regards to way Bank of America has purposely tried to illegally charge me the wrong interest on a large purchase that I did with my Bank of America credit card. 
I made this purchase with the intent of paying it off within a 4 month period and I did realize that would be interest that would accrue but the fact that Bank of America has tried to charge more interest than the true balances reflected, is why Bank of America continues to get fined for screwing over its customers base and makes headlines in the news everywhere. 


SEE ATTACHED

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 2023-12-30
Company: CITIBANK, N.A.
State: MT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I pay my bills on time never late. I dont always carry a balance so they terminated my card and hurt my credit by XXXX points

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 2023-12-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am disputing my Mattress Firm account furnished by Synchrony Bank. 


Over a year ago, I called Synchrony Bank to close my Mattress Firm credit card account due to financial hardship. 

They close my Mattress Firm account. 

I asked for a payment program to pay the balance I owe to Synchrony Bank. 

They did gave me a payment plan program of {$50.00} to pay on the account every month. 

XX/XX/, my Mattress Firm account was {$1300.00}. 

My current balance on my account has increase to {$2300.00}. XX/XX/XXXX XXXX Synchrony Bank added over {$1000.00} interest on my account after XX/XX/.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. 

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 2023-12-06
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Can you delete this ASAP and send me and update. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im requesting that all fraud alerts be removed from my consumer reports, as of today please remove all fraud alerts from all consumer reporting agencies. And notify all furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: IN
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:
These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : 1. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX XXXXXXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report. 

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission XXXX FTC ), under reference number XXXX, against both Trans Union and XXXX XXXXXXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

3. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the 800s. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the 500s. 

4. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

5. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting. 

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, 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
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief