BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had a grain account for about a year and have always had autopay on with zero issues. Im XXXX of XXXX, I had to payments initiated through direct deposit and processed. No communication in XXXX and on XX/XX/XXXX I got email communication saying a payment would be taken out on XX/XX/XXXX for XXXX and not to worry because I have direct deposit. I logged in a few times and didnt see anything suspicious but I got an email on XX/XX/XXXX saying my account was 1 day past due when I think went in and initiated a payment because I have never missed a payment. Fast forward two weeks, the payment never came out so I tried again because I received another email saying I was now 2 weeks late. I initiated another payment in which I took a video screenshot of to make sure to document me trying to make a payment for XXXX. I got the confirmation it would be processed a few days later. On XX/XX/XXXX I received an email saying they were reducing my credit limit and then on XX/XX/XXXX I receive another email saying my account was 1 day late again and then on XX/XX/XXXX saying it was 45 days late?!? How do you go from 1 day to two weeks to 1 day then 45 days. I did reach out to a support XXXX on XX/XX/XXXX that said I needed to reconnect my bank which she ended up doing and I made a payment. I had no idea my bank wasnt attached because it was connected in the app as I was able to see my checking available balance and it was connected when I initiated a payment in XXXX. I made a payment the exact day a support XXXX reached out to fix my account and was told they would follow back up to discuss my late payment. Fast forward to a few days ago, I get a notification of a late payment dinging my a credit. Taking my score down XXXX points. I immediately followed up with a support XXXX to inquire about getting this removed because I have been an excellent customer and tried my best to resolve an issue with little communication and inaccurate information. The support XXXX has since let me know that wont happen. I have also read NUMEROUS reviews of others going through the same problem and it seems to be extremely unfair because its nearly impossible to get a response back via email and you cant speak to anyone on the phone. I have worked extremely hard to fix my credit to have it ruined overnight by an issue I tried to correct. I would like to have the late payment removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint before. 
My loan was transferred from XXXX XXXX to Fay Servicing XX/XX/2021. My investor changed from XXXX to non government investor in the middle of my covid forbearance. 
We were affected by covid. 
Just recently received an approval for the modification increasing payment almost double. 
My payment was almost XXXX with a step rate but max interest rate lower than Fay gave me on the modification. 

My new payment has increased to XXXX With 5.50 interest amortized by 40 years with a maturity date of 30 years leaving a balloon amount that they are charging me interest on plus I will need to either refinance the balloon or pay off which is more interest. 
I had a balloon payment from previous mod that drew no interest. 

They are offering a larger interest rate then current rate today trying to make more money on our loan. 

The home went into foreclosure and Im having no other choice other than to accept this modification to keep our home. The rate is to high We wanted to continue making regular payments. 
I will be making the trial plan payments in hopes and prayer the rate can be reviewed for lower and the balloon payment be taken in consideration to not pay interest on this balance. 

Fay Servicing has been difficult to work with and dont care. The loan officer we spoke to going over the numbers said were past do and the investor can do what they want its not government loan.. even though this changed in the middle of our covid forbearance. We were current prior. 

This is causing us to pay more for this loan, like charging for the modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have previously filed this case. I uploaded some screenshots of with the accounts that Wells Fargo was pulling from my bank account for. They said I authorized these but they will not tell me what service or good I received for all this money they took out of my account up until XXXX of XXXX. XXXX XXXX XXXX XXXXXXXX XXXX said that I authorized deductions coming out of my savings account in XXXX. They have been deducting XXXX to {$500.00} a month out of my account which I did not discover until XXXX of XXXX. The bank helped me try to recover these funds but doesn't want to deal with it anymore because the credit card company saying that I authorized these debits. I asked them to give me proof of what I authorized what service or goods I got for it. But the bank just wants to give up and not help me get that and I don't know how to get help directly with XXXX XXXX XXXX XXXX because when I give them the last five digits of the accounts that they've been pulling the money for, XXXX XXXX tells me they have no record of my account. So this added up to somewhere near {$15000.00} they had taken over the years and I would like to recover these funds since I got nothing for them. XXXX  XXXX XXXX contact person who has been dealing with XXXX XXXX and Wells Fargo concerning this issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A synopsis of the important information contained in the screenshot attachments : Wells Fargo Bank XXXX ACH department phone XXXX. XXXX XXXX electronic remittance program XXXX it will received with XXXX / XXXX XXXX XXXX card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX set up date XX/XX/XXXX to XX/XX/XXXX suspended XXXX XXXX card number XXXX XXXX active XX/XX/XXXX Sent to Wells Fargo by my bank XXXX Asking what vendor proof of what service are good I received for debits to my account. Asking for return all items as XXXX For reference : my bank sent this request to Wells Fargo : for the reference number Wells Fargo provided on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Above was sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my money return to my account they should not get away with just saying that they canceled out my account and that I should just go away and not expect them to return or tell me what I got for the money they took out of my account. 

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 explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: IL
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 XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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
Consumer complaint received 2022-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, 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:
I am writing to delete the following information on 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've contacted the original creditor and hey sent proof of the inquiry to be deleted but yet the company has failed to comply with my request and have no proof and supporting documents that the inquiry is not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Thi bill has been paid in almost in full. They report us 2 months late while we paid for almost the entire balance. The month of XX/XX/22 XX/XX/22 report 2 late payment. how can we be late while we paid almost the entie balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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:
I was a victim of identity theft and I request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ACCOUNTS. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-07-10
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Truist Bank accepted a wire transfer of {$52000.00} on XX/XX/2022. The money transfer was initiated through XXXX bank. Truist Bank wire reference number is XXXX. 

XXXX bank ask for a recall of the fund on two different times and received no response from Truist Bank. XXXX XXXX spoke with XXXX XXXX XX/XX/2022 the manager at Tuist Bank and she said, any issues must be directed through the wire transfer department bank to bank. 

XXXX bank suggested I seek Legal Counsel.

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 2023-02-23
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX XX/XX/2023, I living woman XXXX XXXX XXXX was denied a consumer personal loan at Truist Bank XXXX Scenic highway XXXX XXXX, Ga XXXX. XXXX XXXX XXXX XXXX # XXXX. I requested/submitted an application for {$7000.00} to purchase a dwelling unit for my safety and a automobile for traveling and was denied. I seen an advertisement online for personal consumer loans and it does not state that a credit score of XXXX is required before applying nor did it say anything about my creditworthiness! Its False advertisement, Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of Truist I am aware that according to FEDERAL LAW, banks are not allowed to loan credit and are also not allowed to loan their own or their depositor 's money Public Law 73-10 Hjr 192 Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is confided in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. Truist reported to all 3 CRAs witch has lowered my credit score and states its high RISK I am also requesting for that hard inquiry to be removed from my credit report! As its damaging my life. I am requesting that I receive the full amount of {$7000.00} for my personal use, its my right to have a safe place to live and safe travels! 
Sincerely, Without Prejudice, All Natural Inalienable Rights Reserved UCC1-308 By : 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 explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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  Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/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 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 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 2023-07-28
Company: Resurgent Capital Services L.P.
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:
Ive contacted the company multiple times for a signed affidavit to file a police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Credit Plus Inc
State: GA
Product: Credit reporting, credit repair services, 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:
I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from  XXXX   XXXX ,   XXXX  . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I used to have a bank account with Wells Fargo they decide to close my account without even tell me because of 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 2021-04-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The credit limit on my care credit account was decreased by {$2500.00}. This was done without notice and I am concerned about the impact that this might have on my credit score and credit rating.

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 2023-10-04
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
I 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 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 explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
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 sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}

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 2018-10-31
Company: STERLING JEWELERS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed a payment and spoke with a rep to setup new payments and I continued to get calls after that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
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 recently reviewed my credit report and noticed that there is an inaccurate information thats negatively affecting my credit and causing me stress and damages because Im not able to use my VA benefits to purchase a home because of the inaccuracies on my credit report. There is a charge of reporting to my credit report and the IRS considers charge offs to be considered income and income isnt suppose to be reported on a credit report. Therefore my credit report is not showing 100 % accuracy and is damaging my reputation as consumer and XXXX is not doing their job and is violating my reporting rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation