BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
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:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. 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 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 2023-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company paid {$5000.00} to me, via check. On XX/XX/2023, I deposited this check, via mobile deposit to my Huntington Nation Bank checking account. My funds were not available once deposit happened. And my account had been locked. I was unable to even log into my Huntington National Bank site. I received a letter from Huntington National Bank dated XX/XX/2023, stating that my check was being held until XX/XX/2023 due to making sure the funds were available from the bank they were being paid from. Huntington National Bank then froze my account, and NONE of my funds were readily available. I have contacted Huntington National Bank 10 times, and have been given the run around from every person that I have spoken with. The bank that my employment check is through, is XXXX XXXX. I contacted XXXX multiple times, and they informed me that Huntington National Bank had already cashed my paycheck in XX/XX/2023. Huntington National Bank is illegally holding my funds, and froze my account. Every time that I have contacted Huntington National Bank, not one representative or Manager can explain to me why my account is frozen, or why my funds are not available. It is now XX/XX/2023, and my account is still frozen, my funds are still not available. Due to this hold of funds for over a month, I have been unable to pay my family 's health insurance for XXXX and XXXX. It has now been canceled, and Huntington National Bank must be held responsible for paying for this to be reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In 2023, I filed my taxes and wrote a check to pay the IRS. I mailed the check out in the amount of {$460.00} on XX/XX/2023. On XX/XX/2023, the IRS contacted me by mail stating that I never paid my taxes. I told them I did and they replied that they will open an investigation to see if any personal stole my money. I looked up the check online and the saw that someone changed " Pay to the Order '' person from " Internal Revenue Service '' to " XXXX XXXX '' in the amount of {$2400.00} instead of the original amount of {$460.00}. I reported back to the IRS about the situation and the IRS responded that I should report to my bank, Wells Fargo Bank, about the fraud and they will reimburse me back. I scheduled the appointment on the internet on XX/XX/XXXX to meet someone from Wells Fargo at the location at XXXX XXXX XXXX, XXXX, WI XXXX for XX/XX/2023 at XXXX in the morning. That next day my wife and I went to the bank. We spoke to the manager and the manager said that they will report it as fraud. Two weeks later I received a denial letter for the reimbursement. I was then told by Wells Fargo that I needed to make a forgery report from the police department and that it was not Wells Fargo 's fault for this incident. I made the report and the manager made copies of the paperwork, our carbon copy of the original check, and a print out of the forgery check that the bank wrongly process. Two weeks later, I was denied again due to the report being submitted after 30 days from the incident. I tried multiple times afterwards to contact and receive help from Wells Fargo but have been denied multiple times in person and have been transferred multiple times over the phone to multiple departments that would not assist me. After a few months of trying, I was told they would not assist me anymore and will not get reimbursed unless I sued Wells Fargo and good luck with that. Wells Fargo lied to me into believing I would get reimbursed and have failed on multiple steps to assist me before and after the incident took place. The worst part is, I have been a loyal customer for more then 20 years with this bank and was treated unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking and my savings account at Truist where frozen over 30 days ago for too many inbound Zelle payments they say it was flagged for fraud and that it could take 30 days to investigate but usually is settled within the first 2 weeks I was told either my account would be closed and they would allow me to come pick up my funds or they would unfreeze the account. It wasnt an issue to me at first cause I know I didnt commit any fraud so I assumed I would have my money back by now but it has now gone past the 30 day mark and they have not told me anything but it is under review. At this point I just want to close my account and get my money back this has been a huge financial burden on me and has caused me to almost max out all 3 of my credit cards. The account has been frozen since XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged interest since account opening. However, the intro APR promised to me when applying was 0 % for 15 months. Upon reviewing my statements, I see I have been charged interest since account opening. I received no notification of this. This is a massive error on AMEX 's end. Solution : AMEX must refund my interest charges that were wrongfully charged for 15 months after account opening. 

The company made a false and un-verifiable claim that I was advised that I may not receive 0 % APR during my application process : Their claim : " During your online application you were advised based on your history with American Express welcome offers, introductory Annual Percentage Rate ( APR ) offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer, intro Annual Percentage Rate ( APRs ), and intro plan fee eligibility. 

This statement is a false claim, and is not factual. By doing so, they are violating the Truth in Lending Act ( TILA ). Unless the company can prove this claim, my complaint is a valid claim. I demand all interest be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX ) These accounts need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Veros Credit, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, i request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. because this was not me Loan says I am a " co signer '' never signed off on this. 
want to REMOVE myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: I.C. System, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a credit alert and upon checking my reports I saw an account that I do not owe and have no knowledge. The amount is {$89.00} on XX/XX/2024 form XXXX XXXX for XXXX. I am in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Byrider Franchising, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I purchased a vehicle from byryders XXXX XX/XX/XXXX, everything was going smoothly I took XXXX XXXX trip to XXXX and when I got back home, the car kept stalling and was stuck in neutral, a transmission error came across the car and could not be driven, I got it towed to byriders which they were closed and I emailed them to let them know what happened the next morning some one called and asked what happened and as soon as I explained it they hung up in my face. I tried to calling to speak to the XXXX and no one would answer. so I texted her telling her the issues that I had with the XXXX and wanted to see about getting a new car or my money back considering I only had the car for about XXXX weeks and she read my message and hasn't responded or contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This new Claim is to be apart of # XXXX BOA Called me Thursday XX/XX/XXXX at XXXX to advise me that someone named XXXX ( XXXX XXXX from there Executives Escalations team would call to go over things. I have called and left numerous Voice mails for a return call and nothing and no answers still. I will continue to file a new COMPLAINT Every week if I have to, I will also give all this information to my Attorney who is scheduling a call with the XXXX XXXX this week for an investigations of an almost 7 month since the date of incident. 

_____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Fraud occurred on my Business Bank Account at XXXXXXXX XXXX An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/XXXX and recall wire was sent several times from XXXXXXXX XXXX  More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within 45 minute 's of happening. XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX  ) and from any recalls that have been sent since XX/XX/XXXX. Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never asked for services from global solutions. I find mail in the mailbox on the old address and the company that I mentioned before is trying to collect over XXXX  $ for services that I have never asked or received!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2024 : Contacted Kroger CardHolder Services because the prepaid Visa card that I purchased ( issued by US Bank National Association ) did not have a legible CVV security code. This made it impossible to use the card for purchase online. Similarly, the card does not scan, so it can not be used in stores, either. The customer service representative explained that I must submit a refund through the online portal ( XXXX XXXX XXXX ), however, this was not possible as I did not have a legible CVV on the card. Instead, I was instructed to fax information to Kroger CardHolder Services, which I did later this same day. 

XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. It had not been received. I opted to send the fax over again on this day. 

XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. This time, it had been received, however, the Kroger CardHolder Services ( on behalf of US Bank National Association ) representative instructed me that one of the items on the fax was not legible. I sent a copy of the information to myself when I faxed it, and verified that everything was clearly legible. At this time, I was told to send another fax with custom settings ( I was specifically instructed to " enlighten '' the image 200 % ). 

At this point, I felt compelled to submit a complaint with the CFPB, as Kroger CardHolder Services does not seem to be making a good faith effort on behalf of US Bank National Association to refund the product which : 1. Did not have a CVV and could not be used online 2. Did not scan, and could not be used in stores 3. Could not be refunded through the web portal due to lack of CVV 4. Could not be refunded through faxed information due to customized image settings At this point, I don't expect I'll receive a refund or get an opportunity to spend the money that is still credited to this useless card.

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Im not sure on dates but I am XXXX now and for the last 10 years Ive tried to gain access to my Wells Fargo XXXX account. I want to withdraw and put it elsewhere my bank said they wont deal with Wells Fargo because its almost impossible to get them to release funds. Im always give then run around. I verify all information accurately. Ive been told I would have it sent to me 6 years ago interest free because I requested it during the right time so they had to honor it. It never came. Ive called so many times and been dismissed they have given me case # s that ended up being bogus random numbers. Ive been hung up on when a representative would tell me I could access my money. Its been mentally draining. The last time I spoke to someone I. XXXX he said my husband who is not on the account could go into his Wells Fargo and they would give him the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: RoundPoint Mortgage Servicing LLC
State: AZ
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: Investigation took more than 30 days

Complaint:
Roundpoint assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX 's XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the XXXX. All with no result, after XXXX  months.

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