BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At the end of XXXX ( XXXX or XXXX ) I made a mobile deposit into my Truist business bank account. The deposit was for {$3000.00} in the form of a business check from my client. At the time I had a cash balance of {$780.00}. 

A day after I made the deposit, they froze my account for suspected fraud. They said I had to wait for the check to clear before they could lift the freeze. So I waited. The check cleared my client 's account and they did not lift the freeze. When I called they informed me that my account was closed by the fraud department and I would have to wait for them to finish their investigation. 

Next, they had my client send in a notarized letter on his business letterhead saying that he made the payment to me ( my business ), the check as good ( they already knew that because the check had cleared the week before ), the dollar amount, check number, and contact information. They received that information and still did not release my funds. 

It has been XXXX weeks. I can't get anyone to answer the phone at Truist. I waited on hold XXXX hours this XXXX  ( XX/XX/23 ) and now I am again on hold for the past XXXX minutes. My emails are not answered. I do not know what to do.

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 2022-06-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I contacted Wells Fargo numerous times and they refuse to delete the charge off from my account. They agreed to remove the charge off over the phone from my credit report. I paid this account in full and I want the charge off deleted from my credit report. I contacted them several times through email and phone. Wells Fargo refused to work with me and I sent them several good will deletion letters. I could not pay the bill, because I was in the hospital. Out of common courtesy, I paid my bill in full and they still refuse to delete the charge off. Even though, they agreed to do so over the phone. They refuse to send me a letter stating that they will delete the charge off. They are also several mistakes on my credit report such as when the account turned into a charge off, because I was making payments to them until I became sick. I loved being a Wells Fargo customer, but I will greatly appreciate it if they can remove this charge off. I paid my bill in full and I was severely sick at the time.

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 2018-08-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2018, my husband and I submitted the final pay off balance on our auto loan during business hours online on the exact same day late charges and additional interest fees WOULD HAVE BEEN CHARGED had the payment NOT been credited by midnight the same day. Our payment posted and was credited to the account the same day BEFORE midnight. The late charge and additional interest was also adjusted. 

Our issue is the company website forced us to submit a final payment that included the additional charges, but when our payment was submitted timely ( and charges adjusted ), it never refunded the additional money it collected back to us. 

We contacted the company in early XXXX to find out when we should expect the refund, and the company denied owing us anything. After further conversation, we were transferred to another department that indicated that a claim would be initiated, we would be assigned a representative ( who was suppose to contact us within 48 hours ),  and the account would be audited. It is now almost XXXX and we have heard from no one as of yet. So much for 48 hours.

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 2023-05-31
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2022-12-07
Company: WELLS FARGO & COMPANY
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: Personal information incorrect

Complaint:
Wells Fargo Credit Card Services Failed to send The requested original signature of the delinquent account they are abusively reporting to the major credit companies as requested. neither has the credit bureaus responded to any dispute letters. 

The Customer service agent XXXX has said there was no record of this account AFTER speaking with the wells fargo advocacy team. 

Here is the recorded conversation proving they have violated all of my rights as a customer. 

Please have them delete this debt for failing to provide the original signature.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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  Inquiry : May 23, 2021 I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or TRANSUNION to negatively impact my credit score. 
I demand that they be deleted. 
In addition, I did not give you, TRANSUNION permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, TRANSUNION to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-12-14
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-31
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-10-28
Company: Kriya Capital, LLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my 3B credit report. The accounts in question, along with their respective account numbers, are as follows : CREDENCE RM ACCOUNT # XXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) and the ( FDCPA ) specifically 15 USC 1692g due to its incompleteness and inaccuracy.the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts. Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that CREDENCE RM rectify these issues by removing the disputed accounts from my credit report immediately.I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XX/XX/1979 Employment : NONE There should be no other listing of misspelled names remaining. I have found XXXXXXXX differnet spellings and XXXX wrong addresses on my report. 

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 2022-12-14
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX Navy Federal raised my interest rate stating that they never received a POA form I sent in 3 times for the lein. I sent the form in a 4th time with tracing and signature confirmation and 3 weeks later was told it was still not received. I finally sent a system message with screenshots of the signature and name that signed for it on XX/XX/2022. 
I also ran into financial trohble and was approved to move 2 payments to the end of my loan before I was ever late. My XXXX and XXXX payment was to be moved and I would not have a paymenbt until XX/XX/2022. I made my payment on that date and a week later my payment exension was reversed and {$780.00} was taken from my checking account without any notice on XX/XX/2022. I called in and the payment was reversed and I was told that they are working to put the extension back on my account and remove the late fees added. 
Fast forward to today and the issue with my loan account isn't fixed and the money came out of my checking account again. 

I have called Navy Federal many times and have been told everything is being fixed but they keep taking money from my checking instead of fixing the problem. I need this resolved ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On or about XX/XX/XXXX, my identity was stolen. Among other things, there were attempted withdrawals from my XXXX XXXX  checking and savings accounts. There were also fraudulent charges against my XXXX and XXXX accounts. On XX/XX/XXXX, I received an email from Robinhood XXXX XXXX notifying me that there were XXXX stock purchases made in my name. Following numerous email exchanges with Robinhood fraud reporting, they have never removed those fraudulent purchases and closed the account. I am still receiving periodic market reports from them. I also received an email notification on XX/XX/XXXX indicating my XXXX Tax Documents were available. I have never had an account with that online brokerage company, but I can not get them to close the account. I have reported the identity theft to the IRS to protect me against fraudulent tax charges. I need you to pressure them to close the account. I do not even have an account number from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CA
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:
The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX, but how is this be possible if the opening date is inaccurate, and the date last reported is not accurate. 
XXXX Funding Account # XXXX XXXX Funding Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX This is grounds for removal that also violated my rights under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Selene Finance LP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018, the company servicing my mortgage, XXXX XXXX XXXX , XXXX, ( XXXX ) transferred my account Selene Finance LP. I was on a repayment with XXXX that was difficult to make. I had to enter the agreement as they were threatening foreclosure. Selene Finance LP decided to keep the same repayment plan. I was advised by Selene even if they were to do a loan modification, it wouldn't work in my favor ; the payment would be higher than the current one. When I got the statement from Selene after the transfer, included was the payment coupon in the amount of {$740.00}. Thus far, I have sent {$2000.00} to Selene and they have not applied it to my mortgage. They said they want the remainder of the first payment. I sent in {$750.00} with the coupon. After speaking with Selene, several times, the answers to why the money hasn't been applied to my account is inconsistent. Twice, I've been told that the money will be returned. To date, it has not. They said I am in foreclosure status. Also, an enormous amount has been added to the total mortgage amount owed ; on XX/XX/XXXX, XXXX, {$140000.00} to {$170000.00} as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to request your assistance in resolving an issue regarding inaccurate information on my credit report. I have reviewed my credit report and found that there are inquiries, late payments, and collections listed that are in breach of the Fair Credit Reporting Act, specifically 15 U.S.C 1681.

The aforementioned information is in breach of the Contract of reporting act as it is incorrect, unjustified, and a defamation of character. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. I have not authorized these inquiries, late payments, and collections, and they do not reflect my financial history accurately. Therefore, I kindly requested that these items be removed from my credit report.

Due to these inquiries, and negative reporting have not been able to obtain housing which has been detrimental to my livelihood. Credit Reporting Act 15 U.S.C 1681 states that there should not be any damaging information on my credit report. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2018-05-08
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed below collection amount in my XXXX Credit report and this amounts is not owned by me. I called the original creditor " XXXX XXXX  XXXX XXXX, XXXX '' and they confirmed they don't have record of me being in their clinic during XX/XX/XXXX. Initially this collection came up in my XXXX report and I disputed and it got resolved and now it is appearing in my XXXX. I tired disputing but now the new collection agency " Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX '' didn't remove this from my report and they said I owe. But I never been to clinic " XXXX XXXX  XXXX XXXX, XXXX '' which can be confirmed with the clinic. Below amount is appearing in my Credit Report. 

1 ) .Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$670.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$670.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 2 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health XXXX Client Name XXXX XXXX XXXX XXXX  Original Amount {$1600.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$1600.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 3 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$260.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$260.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account

Company response to consumer: Closed with explanation