BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: WELLS FARGO & COMPANY
State: SC
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:
I was the victim of false charges to my account by XXXX, with whom I have NO business dealings. I have twice filed fraud charges with Wells Fargo, my bank. They have refused to acknowledge it as fraud and have closed the case for the second time. I have been instructed to seek recompense from XXXX for the charges to my business checking account. 
XXXX charges in the Amount of {$1600.00} were leveled at my account on XX/XX/XXXX, using a debit card ( NOW XXXX ) ending in XXXX. Three went through and one was declined. I saw them on Saturday the XXXX of XXXX as pending charges. I immediately called and asked the charges not be honored and reported it as either fraud or identity theft. The charges came through on the following Monday. Now I am out the money and so far people just shrug and say they can not help me. 
The charges were as follows : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX  WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XXXX IS where the money went and I HAVE NO BUSINESS RELATIONSHIP WITH AWS! HOW CAN XXXX SIT ON MY MONEY AND REFUSE TO SAY WHO GOT THE BENEFIT OF MY WAGES? ITs MORE THAN MY COUNSELING BUSINESS MAKES IN A MONTH! I HAVE NOTHING TO SHOW FOR IT. I will have to try to expedite my claim with state and federal authorities. The stress is hurting my health. Is there no one who handles these kind of fraudulent charges at your company? Clearly Wells Fargo is not willing to help. Both XXXX and XXXX say there is nothing that can be done. I need someone to explain why a business can take my money without my permission, then tell me nothing about who benefitted from my {$4800.00}?

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 monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX XXXXXXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: CA
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:
I stayed around 10 days in hotel XXXX, at XXXX XXXX XXXX A, XXXX, CA XXXX close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least XXXX of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/XXXX  : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : AMEX/XXXX  Amount charged : {$520.00}

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act this creditor capital one auto finance has violated my rights. Under 15usc1681 section 602 state I have a right to privacy 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b a creditor May not treat a payment on a credit card account under an open and a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Skrill USA, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The new account uses a credit card machine to collect money, and the money received refuses to pay for various reasons, and at the same time refuses to refund to the customer 's bank card. 
In many communications, the customer service of the merchant admitted that the operation was improper and the card could not be returned to the customer. Meanwhile, they refused to pay me. Needs to be frozen for 180 days before payment can be made to me. 
Since my account was newly established, I asked the merchant to refund the customer 's bank card in full and the merchant refused. The merchant 's behavior has violated the relevant regulations. 
Since the merchant did not process the refund, the merchant is now requesting immediate payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company IC System has continuously called my phone while I was working, I expressed to them that I can not get calls at work and that if I continue I would report harassment, the man on the other end called me a XXXX and said to just pay your bills and you would not have this problem and hung up in my face. I tried calling the number back and every time I would explain to someone what happened they just tried to move on from the conversation, this was insanely disrespectful and this is no way to run a company. This account does not belong to me.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX XXXX XXXXXXXX : To XXXX : From XXXX until XX/XX/XXXX, you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage Moratorium. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank Adjustment/ Deed-in-Lieu/Bank Liquidation . My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as XXXX. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure. 
I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and my consumer rights.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company 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 2023-07-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 i purchased a white shirt for {$55.00}. As of today the shirt has not been delivered and the company ( XXXX XXXX ) has not responded to multiple inquiries of mine. I went to a Truist branch on XX/XX/23 to inquire about this transaction and was told to give it a few more days and if the shirt was not delivered than to file a dispute. I waited until XX/XX/23 and I filed the dispute as instructed by the Truist representative. I now know that I was provided incorrect information by Truist because according to Regulation E, I must submit this dispute within 60 days of my statement date of the trans which was XX/XX/23. The teller misled me and it has now been more than 10 business days since my dispute of non-receipt of merchandise and Truist has not decisiones the dispute or provided me provisional credit.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I understand there is a consumer class action lawsuit against Wells Fargo for overuse of fees/overdraft fee and NSF fees XXXX I am very much affected by this and would like to be added to this class action case.

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 2022-07-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Before the pandemic, I had most of my payment options for my bills on Autopay. Some through my Bank and some arranged with the Creditor. Due to less income during the pandemic, I needed to keep closer track of my cash flow, so I undid most of my Autopay options. 
This led to an oversight in XXXX, I was overdue on a {$31.00} minimum payment, Charged {$29.00} Late fee, {$89.00} was the next minimum payment due. Why the {$60.00} minimum payment difference? 
I had the same thing happen on a XXXX card, and they didn't explain why the difference. With this Synchrony Sam 's Club card, I tried the online chat, but got their Artificial Representative. 
During this same XXXX statement my balance was lowered from {$1400.00} to {$1100.00}, leaving not enough for some new fees and my Sam 's Club membership which went up in price. I don't even usually charge this to my Sam 's Club card, but that's something different. 
Now I'm Overlimit, my interest rate also went up and they Call every single day. Interest rates on Credit Cards is out of control for normal people who have a recurring balance.

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 2023-03-14
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I reached out via phone in an attempt to find a resolution for this account. XXXX XXXX (? ) advised that this account could be settled until XX/XX/2023 for 50 % of the {$750.00} reported balance. 

As this account was incorrectly sent to collections and is a result of fraud, I reached out to the credit bureaus to dispute this. 

On XX/XX/2023, I again spoke with XXXX who advised that they ( being the original creditor, XXXX ) would not authorize a settlement for less than advised. She advised any settlements no in the full value would be subject to remaining on my credit reports as settled for less but would be unable to be permanently removed without full payment. Full payment would also only result in a request to remove as a good will gesture. 

On XX/XX/2023, XXXX advised that she did not advise this and that she asked to extend this settlement amount. I asked to speak to another agent and the line was disconnected. 

Upon calling back, I spoke with agent XXXX XXXX who advised that this account was previously held with a law firm. He advised that he can see multiple dispute attempts but they were denied for being meritless. He advised that XXXX is not the holder of the debt but that they service the debt. His agitation and continued refusal to allow me to simply reiterate his words was condescending and rude. The information provided was contradicting. As their operations closed at XXXX XXXX, he ended the call. 

I am legally severely XXXX XXXX and have several other health concerns. This agency nor the original creditor has made any reasonable attempt to rectify this issue. I feel taunted and have yet to find a resolution for removing this without paying/settling. 

I would like to ask that the CPFB cease allowing this agency to report any information regarding any accounts owned/previously believed to be owned by me. I do not have a contract with this agency and contracts with XXXX were fraudulently entered. 

I look forward to a prompt and positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is not reporting the updated balance in my XXXX account. 

I paid the entire balance ( XXXX ) of my XXXX account by XX/XX/XXXX. They have reported a decrease in my balance to all credit agencies. XXXX, XXXX, and XXXX XXXX reports have the correct statuses already. 

However, even by XX/XX/XXXX, this information was not updated in my Experian XXXX and XXXX scores. I requested Experian to update the information after confirming this with XXXX. 

I saw no change in my credit report after XXXX days. Because of this, I lost a {$3000.00} offer for my car purchase, as my credit scores were not updated on time. All XXXX and XXXX scores were up to the mark, and only Experian reports failed my credit inquiry. 

Experian shows updated information only after getting subscribed for a XXXX  XXXX month. I feel Experian is misusing public information and creating issues in the lives of people like me by not providing the right information in 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 2023-01-03
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Mohela on XX/XX/XXXX to complain and get this corrected : Mohela is applying my employer contribution of XXXX to the interest. 
They apparently started doing this in XX/XX/XXXX. I just noticed. 
They stated they sent an email out and said I could not change it. 
They said it is now a 'policy ' if the payment is not made on the exact same date as my payment, it will now go to interest and there is nothing I can do about it. 
They know that this is not possible to line up all employer contributions to go on the same day as the payment. Besides the fact that I am XXXX XXXX XXXX and have $ XXXX in student loans that I am trying to pay back, this small contribution that my employer makes on my behalf should be applied to the principal as was the intention when this program was initiated. I think it is a complete scam that they 'changed " their policy. This contribution was to ease the burden of the student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought my car in GXXXX around XX/XX/XXXXXXXX XXXX  new from XXXX XXXX in XXXX. I moved to XXXXXXXX XXXX in XX/XX/XXXXXXXX switched over my car details to XXXX  around that time also. Moved back to XXXX and switched over my car details back to XXXX in XX/XX/XXXXXXXXXXXX XXXXXXXX  I received a letter from the XXXX Dept of Revenue saying the miles on the XXXX XXXX title were incorrect and I needed to submit certified title history paperwork. Since I now lived back in the home state of the car 's original loan origination, instead of going back in forth with the states DMV when XXXX  submitted the title to XXXX  originally, and then XXXX just submitted it back to XXXX when I moved, I decided to pay off my car loan end of XX/XX/XXXX ( wk oXXXX XXXX  ). Final balance was {$2700.00}. I received a notification that it was reported to the credit bureaus that I paid it off. Truist wiped all loan information off my online banking, so I could not even look for past statements or payments. I still have a credit card with Truist, so I still have an active online banking account profile with them. I called on XX/XX/XXXX, spoke to a XXXX about getting a notice of lean release so I could get my title, as 3 months had passed since I paid off the loan with no correspondence directly from them. She gathered the information needed, as well as validated my info and said that I would receive a notarized letter to bring to the DMV within XXXX business days. I have not received the correspondence requested to date ( ~7 weeks since request ), as well as not any other type of communication from them in regards to my ( now ) 5 month paid off car loan. XXXX is when I need to register my car and I need to ensure that this will not disrupt that process as it will affect the use of my vehicle. I need this documentation as soon as possible so I can start the process of getting my title and moving on with my life, and hopefully the relationship with Truist. The reviews online over this lien release process is appalling and scary. It sounds like I am one of many that have to deal with this. They have their money, I am not sure why my paperwork for what I now legally own is being held hostage.

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 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/, I walked in to my financial institution BANK OF AMERICA to withdrawal my available funds to pay my monthly rent and monthly utility bills. Unfortunately, to my surprise the bank teller told my checking is closed and are unable to withdrawal my available funds at this time and wrote down a phone number for me to call to receive further information. I then call and came to find out the risk department closed my checking because of a check that was deposited into my checking account that I did not deposit. And let the representative know that on XX/XX/ my car was broken into, my purse, wallet, bank ATM card was taken n stolen from stolen me. I went on to say, I guarantee you won't see my face depositing that check. I do need access to receive my available funds. The representative then told me my available funds will be put in a check and will be issued out to meXX/XX/2023XXXX I then said What? Wait a minute, that's my source of living, my social security benefit payment, my federal income tax refund funds is what I have to live off for the month. So my rent, my utility bills, are going to be unpaid. N more than likely be given a late charge and be put at risk of being evicted because my rent is every XXXX of the month. How am I suppose to eat. The representative very rudely said I'm sorry I don't know what else to tell you. And hung up on me. How unfair is that.

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