BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo performed a " Web Direct/Debit Payment '' withdrawal from my XXXX XXXX XXXXXXXX checking account that I did not authorize. 

I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. That auto loan has been on an automatic loan payment program since XX/XX/XXXX. 

Every month since XXXX of XXXX, Wells Fargo has performed an " Automatic Loan Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account and apply it to my Wells Fargo Auto XXXX. 

On XX/XX/XXXX, Wells Fargo performed a " Web Direct/Debit Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account. These types of electronic transactions require customer authorization. I did not authorize such a request. 

On XX/XX/XXXX, Wells Fargo performed the typically scheduled " Automatic Loan Payment '' transaction and withdrew a second {$510.00} from my XXXX XXXX XXXXXXXX checking account. 

On Wednesday, XX/XX/XXXX, I discovered Wells Fargo 's unauthorized withdrawal from my XXXX XXXX XXXXXXXX checking account. 

I contacted Wells Fargo customer service and was asked to email screenshots of my XXXX XXXX XXXX checking account transactions showing that the Wells Fargo withdrawals had cleared. The screenshots were emailed. 

On Thursday, XX/XX/XXXX, a representative named XXXX from Wells Fargo left a voicemail on my wife 's phone asking me to call her regarding the issue. I attempted two callbacks on Thursday. I tried a third callback on Friday at approximately XXXXXXXX XXXX Pacific. 

I reached XXXX and was informed that she would try to look into it, but it would likely not be until Monday XXXX, XX/XX/XXXX, because she only worked for another XXXX minutes. No options were provided for me to speak with another representative working Pacific Time Zone business hours. 

So now, it appears that Wells Fargo will not make any effort to reimburse me for my money. This error on their part placed me in a difficult position as I relied on that {$500.00} to pay other bills. XXXX also told me that Wells Fargo had XXXX business days to decide to give me back my money and would mail it to me because they had no method of electronically transmitting the payment back to my Checking Account. That is hard to believe because they electronically withdrew my money when they first made the mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: KS
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 company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 47 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as Butler Snow previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX, I noticed an outstanding balance of {$7400.00} on my XXXX XXXX XXXX account. I was concerned about this amount as I didnt recall accruing such charges. 

On multiple occasions between late XXXX and early XXXX, I contacted XXXX XXXX XXXX  customer service to seek clarification on the outstanding balance. During these interactions, I was referred to the generic wireless service agreement on XXXX XXXX XXXX website and was told to use my bill as the definitive proof of the debt. However, I found this information insufficient to explain the charges in question. 

Around XX/XX/XXXX, the account was handed over to Credence Resource Management, a collection agency, to recover the outstanding amount. I promptly disputed the debt with Credence Resource Management and requested a detailed breakdown of the amount owed, a copy of the original contract or agreement, and verification of their authority to collect this debt. 

Despite my requests, the collection agency failed to provide the requested documentation. However, on XX/XX/XXXX, Credence Resource Management informed me that the account had been recalled by XXXX XXXX XXXX. 

Subsequently, I continued my efforts to resolve this matter with XXXX XXXX XXXX but was met with the same generic responses. I was neither provided with a clear explanation of the charges nor any of the requested documentation to validate the debt. 

Feeling that my rights as a consumer were not being respected and the lack of transparency from XXXX XXXX XXXX and the collection agency, I escalated the issue to the Federal Communications Commission ( FCC ), XXXX, XXXX, and XXXX to dispute the debt and seek resolution. As of now, the issue remains unresolved, and the lack of documentation continues to leave the validity of the debt in question. 

I am seeking the assistance of the FTC to help resolve this matter and ensure that the companies involved adhere to fair and transparent practices in line with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have copied and pasted the last message I sent them. In addition, I have called more than 4 times since the beginning of XXXX. Each time I have called, the wait time average is 3 hours. When I finally reach someone after hours, they either do not know how to help or have given me incorrect information. 

My latest message sent today, XX/XX/XXXX  : Hello, I requested that the involuntary forbearance that was put on my account be removed -- it is still there, and then it caused my IDR to be denied. I also requested the Graduated Extended Repayment Plan in XXXX, and that has not been processed. I also submitted a Death Certificate for the co-signer of some loans, and that is showing as " processed, '' but no adjustments have been made. 
Please : Remove Forbearance status Resubmit IDR Process Graduated Extended Repayment Plan request Process Death Certificate I have called numerous times, with 3-hour wait times, to explain this situation, but no one has been able to help me. I need some options. At this point, I am begging for help. I have a very serious life-threatening medical condition, and this process has been very stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: FL
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:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Public record information inaccurate

Complaint:
After sending 10 letters, The credit agency failed to verify the accounts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
After I had lost my wallet, in where I believe had to be in XXXX XXXX, Nj, someone used my card and deposited and fake check and was able to take out money.Bank of America did not catch this fake check at the time, they also took out more money from that same check days later at another bank.Bank of America still does not notify me or say nothing to me.They said the claim would take 45 days and I waited all of it and even after the time was up, they did not have an answer so a complaint was filed and they sent my case ti the supervisor.Days later they still think i deposited this check.They told me to file a police report to continue the investigation, which I will because as I said before it was not me. I cant just be blamed for something I did not do when there are video footage of whoever did this on both banks.They say they need a police report to be able to use the footage in the investigation so I will do a report .I need help 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 explanation
Consumer complaint received 2021-01-15
Company: FISERV INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Received my Economic Impact Payment card on XX/XX/21. Following the instructions, I tried to call the number : XXXX. My intent was to activate the card. However, when I tried the number several times on XX/XX/21 and XX/XX/21 their automated phone message told me my phone number was not recognized. All other routes to contact them still lead back to the 8100 number. There is no " on-line '' activation that I am aware of. Their recorded message suggests I call them using a different telephone. I have only the one telephone. So, they have no computer activation or any computer contact procedure, the only phone I use is " not recognized '', there is no resolution procedure available other than to call their 8100 -- which, of course, does not work. What is the resolution to this problem? No contact information at IRS except to call the 8100 number. One can not help but wonder who is profiting off the interest in all the accounts in the same state as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My chime credit builder card was charged on XXXX and I didnt do it. I looked it up it was sent to California and I live in Florida. It only had my first name on the package. I tried to dispute it twice but they denied it twice saying I made the purchase. XXXX send me a email saying they were suspended the account due to unauthorized activity and I emailed that to chime and I was still denied. The date this happened was XX/XX/XXXX at XXXXXXXX XXXX  for the amount of XXXX. I never made a purchase on XXXX that big. I closed the card and refund to use chime because of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
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:
Experian failed to block and remove fraudulently furnished information from identity theft with XXXX XXXX XXXX XXXX. I did not consent to disclosure of my nonpublic information to any non affiliated third party. The consumer reporting agency failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused restraint of trade of commerce. I have reasonable cause to believe I have been extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer reputation. I revoke any alleged contract or agreement, whether implied or complicit that I may have been induced into due to undue influence.

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

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 2023-03-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to NATIONAL CREDIT ADJUSTERS , L.L.C on XX/XX/XXXX and XX/XX/XXXX to ask them to validate the debt and send me proof of the debt I dont have any debt with this company nor the original creditor I have been trying to get this issue resolved and no one is responding to be I would like this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXXXXXX XXXX XXXX  XXXX FDCPA section 807 XXXX XXXX XXXX XXXXXXXX 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 2022-04-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a debt collector called XXXX on XX/XX/XXXX regarding a Commenity ( XXXX 's ) Credit Card Debt. Stating this was from 10 years ago, and defaulted 6 years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card XXXX years ago, but it was paid off. I have not had XXXX since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my XXXX. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in Michigan the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited {$4500.00} from my employer yesterday to buy equipment I needed for my newly acquired job. The deposit was originally put on hold for a little over a week, and when I woke up and tried to login to my account I got an error saying 'No match found. Please create a new User ID and Password. '

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 2023-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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. I am never been late on this account.

Company response to consumer: Closed with explanation