BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Reported XXXX  of a parent and execuitor. Provided dXXXX XXXX and court papers. Requested balances as of date of XXXX  for the court on XXXX. Wells Fargo Rep XXXX XXXX has failed to follow up once he was told we would not be opening an estate account at Wells. Need change of address, change in execuitor and balances as of XXXX  to report to court. i have also called customer service and no one follows up.Need information on CDs and Checking Acct.

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 2023-08-25
Company: Experian Information Solutions 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:
You are reporting inaccuracies on my credit report, first of all I've written to you before regarding this matter. You refuse to delete names on my credit report that does not match my name. Below is a picture of my ID showing my exact name, this is the only name and formant that I have ever had and that must be used. Every other name on this consumer report does not match, and it does not belong to me, delete these names immediately. Furthermore, you are furnishing outdated and irrelevant addresses on the premise that the credit report is supposed to be accurate. 15 USC 1681b speaks about relevancy of the information on the consumer report and the obligation you have to report accurate information. You are reporting inaccurate information and outdated information, you have single handedly caused damage to my reputation, my character, my mode of living. This information needs to be deleted ASAP. 

My ONLY Name : XXXX XXXX My Only Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX My Only Email : XXXX My Only Number : XXXX Any and Every bit of information pertaining to me needs to be deleted ASAP. And is against the LAW.

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 2024-01-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
There was a Synchrony Bank Paypal credit card opened in my name on XXXX XXXX XXXX I did not open this account but also did not notice its addition as I did not have any credit monitoring software at the time. Over the years the card had been used to make purchases and payments, none of which were by me. XXXX payment was missed in XXXX XXXX XXXX which alerted my XXXX XXXX XXXX report of a missed payment. Since then, I have been back and forth with Synchrony Bank to remove this fraudulent account and was told today ( XXXX XXXX XXXX ) that since the account has been open for close to XXXX years, it is viewed as a " valid account '' in their words and will not be closed. Now I am expected to pay {$2100.00} that remains on the account for which I did not make purchases. To further the troubles, I am unable to verify the name associated with this account when they ask since I did not create it so there is less help that I can receive from customer service.

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 2023-08-26
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an application order from Fortiva credit card when I read the terms I realized. They were excessive fees that although tempting by the amount they would approve of credit, the fees were excessive and take advantage of an average consumer trying to keep their heads above water. They should be stopped from take advantage of the consumers and make the fees more affordable to help, not hurt the average consumer. They are seriously taking full advantage and although I saw through it, most people won't understand until they are indebted to this company. Their terms of service allow them to change their rates at any time and the consumer can not opt out if they carry a balance... they are held XXXX to whatever the company wants to do and has to pay according to the changes if they are currently holding a balance. They are wrong and should be made to Lowe, eliminate and adjust their terms to ones that are fairer to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a collection on my credit report 's all XXXX of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with XXXX I was told it was valid!

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 2018-11-19
Company: EQUIFAX, INC.
State: CA
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:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX CH-XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy XXXX CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not requesting a Debt Verification Letter but rather a Debt Validation Letter, which is my right under the FDCPA. Please provide me with the following information regarding each of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer cloned a bank of america phone number on XX/XX/923 XXXX  from XXXX saying someone was trying to make a unauthorized wire transfer for {$24.00}, XXXX they walked me through it on the bank of america app saying I had to send a XXXX XXXX  the account case Manger a wire. They told me not to log into my account for XXXX hrs. 

XX/XX/XXXX I did anyway and saw that money was withdrawn. I then called bank of america on their number on the back of my card XXXX. They said it was not them that I had spoken to earlier and assured me that my money would not go to XXXX XXXX.That a wire takes XXXX hours to process amd I would get money back in a couple of days. This was a general person I spoke to them they transfered me to fraud and they told me the same thing. XXXX filed the claim XXXX at XXXX am I called boa to shut down my frozen account, I was still told the wire was frozen. 

XX/XX/XXXX called the fraud dwpt spoke to XXXX  then to XXXX  they told me the funds went to XXXX  and I may or may not get my money back. That I also jave to fill out a form, which no one else had told me this on several other previous calls.

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 2018-11-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
XX/XX/18 I currently have an account with ace cash express under the label " XXXX XXXX '' I went to use my card to overdraft a few dollars to pay off a bill and was told that it wasn't working. I have tried contacting ace cash express, and was told I was on a cool off period after 16 overdrafts in a years period. However I was never made aware of their policy, and have read every " terms of service '' regarding their overdraft protection program. Nothing is made aware to consumers that there is a cool off period. Do they need to disclaim this to the end user?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Yesterday, XX/XX/2023, I received an email from my mortgage holder, Mr. Cooper, stating that I was automatically enrolled in a new program, XXXX, that provides financial advisory services. The email stated : " We've teamed up with XXXX to give you access to their powerful, wealth-building tool. With XXXX, you can set financial goals, run equity simulations, and learn how to use your home to build wealth. Its already connected to your Mr. Cooper account. No set-up needed. Just sign in and take it for a spin. We think youll love it. '' I never approved or requested to be enrolled in XXXX. I do not want or approve to have any services attached to my mortgage account. There was no information on the email on how to unenroll or reach XXXX. After a lot of effort, I finally reached a Mr. Cooper customer service rep by phone and explained that I wanted to unenroll from XXXX. She said she had no way to do that after spending some time researching the situation. She said I could do that from my own online account. I went online and established an online account with Mr. Cooper. There was no way identified that I could unenroll from XXXX. I clicked on the XXXX button to see if I could unenroll from there and they indicated my mortgage account was now linked to XXXX. And again there was no way to unenroll from XXXX. I am very concerned that Mr. Cooper added XXXX to my mortgage account without my approval and there is no identifiable way to remove XXXX. I do not approve of any of my mortgage information to be shared with XXXX or 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2023-12-27
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: Account information incorrect

Complaint:
I used my XXXX XXXX XXXXXXXX XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days XXXX XXXX XXXXXXXX reported it to Transunion. Transunion immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.

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 2021-10-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Suntrust bank, now becoming Truist, has frozen my savings and checking accounts and have given me no explanation. I have been to the bank and they tell me that I will be getting a letter about my account. 
My son had his account frozen because he is constantly overdrawn. He is a teenager and we are working on him and how to manage his money. My wife is on his account and she is on my account. All the bank will tell me is that my account is frozen, that they are severing their relationship with me and that I will get a letter. I have gotten nothing. I understand them closing my sons account but I have been a great customer, pay my credit card in full each month. I do not understand why they won't tell me what is going on.

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 2023-10-05
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 my Chime bank card was used through XXXX XXXX to make two {$250.00} unauthorized charges. I have tried to contact XXXX  and chime and neither have been able to help me. These were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received unauthorized medical accounts on my credit report which is ruining my credit score and profile and making it hard for me to live everyday life Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Date open XX/XX/2022 Collection account. {$1400.00} past

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer

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 2023-08-26
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX my debit card was compromised after using an ATM machine while traveling in XXXX. I called Citibank and was assured that they would look into three highly suspicious charges that were made in 3 separate cities for vendors I have never contacted in my life. 
I requested a new card as a result of these fraudulent charges and Citibank sent me one via FedEx. 

The first was for XXXX Townhouses  in XXXX, TX. A XXXX  search reveals that this is for a townhouse. Why would I make this payment? I never have in my life. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$1000.00} The next charge was the following Debit Card Purchase XX/XX/XXXX XXXXXXXX  # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$760.00} A quick XXXX search reveals that this is a go XXXX  family race track XXXX XXXX XXXXXXXX I have never been to XXXX XXXX. 

The third charge was this Debit Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX in the amount of {$41.00} I have never made a purchase from them before

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NJ
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 recently pulled my credit reports from Equifax, XXXX and XXXX and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said 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 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Account Numbers is reporting inconstantly across all XXXX credit bureaus. If this account was properly verified all information should be reporting the same. 
TRANSUNION REPORTS # XXXX AND 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Despite several written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-12-20
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I received an email from the U.S. Department of Education stating that I had missed a payment on my student loans. I logged on to Mohela on XX/XX/XXXX, and noted that I had an overdue balance of {$410.00}. However, I confirmed that my monthly auto-debit was active, and that I had received an auto-debit withdrawal confirmation from Mohela on XX/XX/XXXX. However, no payment was ever withdrawn from my bank account in XXXX. I attempted to call Mohela on XX/XX/XXXX, but could not get through to a representative. I also tried calling on XX/XX/XXXX and XX/XX/XXXX, but could not get through to a representative. I manually entered my payment for {$410.00} on XX/XX/XXXX and on XX/XX/XXXX, my payment of {$410.00} was posted on the Mohela website. My auto-debit of {$420.00}, which I had confirmed was active in XXXX, was withdrawn automatically by Mohela on XX/XX/XXXX. 

On XX/XX/XXXX, I logged on to Mohela and noted that my student loans were listed as being in forbearance. However, I never received any notification that my loans were going into forbearance. Additionally, my auto-debit of {$420.00} was never withdrawn for XXXX. My next auto-debit is listed as being planned for XX/XX/XXXX. I have not received any information or communication from Mohela regarding why my auto-debits are not being withdrawn monthly, particularly as it shows as being set up monthly on my account, nor any information about why my account is in forbearance. I attempted to call Mohela XX/XX/XXXX and again, could not get through to a representative.

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