BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
They offered me a loan for {$2000.00} and I gave them my account and routing number. They wanted my banking login information and when I told them no they hung up on me. Now they won't answer.

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 2024-02-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting My payment history to be deleted from all 3 credit experian, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a credit card back in XX/XX/XXXX with Wells and i was given a credit limit of {$2500.00}. The purpose for me getting this card was becasue it came with a waiver on the XXXX  transaction fees which was critical for me as i was preparing to travel XXXX to do a semester XXXX  ( will be in XXXX for 4 months returning to USA only until XXXX ). 
I was able to use the account normally through Thursday XX/XX/XXXX and it stopped working and i got decline after that every time i intended to make a purchase. 
The card is not working and they have not given me an explanation as to why it was declined and they told me to wait 15 days for it to be resolved even after i paid my full statement balance on the account which left me with about XXXX on open to buy limit. 
I am in a dire situation as this is my only credit card i can use here and i need the card to work especially knnowing that i already paid the statement balance and they accepeted it in full. 
We need resolution ASAP and i am hoping this complaint submisssion will help becasue Wellls Fargo juist does not want to help. And they do not give me an answer as to why this is all happening

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 2024-01-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Dept. at Regional Acceptance does not answer after sending last four of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left three messages with recovery with call back information that for three weeks. ( Nothing )

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A large sum of money was deposited into my checking account by me multiple times. I had seen the numbers change very often on the banks website and seemingly money was disappearing from my account. The statements information became false and were changed electronically before I could print them out. When I tried to follow up again the transactions would be switched around and then I became confused as to what was happening. I began to save all of my receipts since the transactions are not aligning with my spending habits and money seems to disappear quickly. I do not yet have an attorney or accountant on my behalf.

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 2024-01-03
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As of XX/XX/XXXX my loan payment through MOHELA was indicated as {$210.00}. This was not a problem and I could pay it without any issues. I made the payment without any problems. Then I was notified that my loans were in forbearance until XXXX. 

It is now XX/XX/XXXX and my loan amount has somehow jumped to {$350.00}, which is {$140.00} more than what I originally agreed to paying. I have applied for an income driven repayment plan at this point But this is unethical and wrong on MOHELAs part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
I am writing to express my extreme dissatisfaction and frustration regarding the discrepancies I recently discovered in my credit report through a thorough investigation. The unverifiable, invalidated, inaccurate, and questionable items have caused severe distress and emotional hardship. 

In accordance with the Fair Credit Reporting Act, it is imperative that my credit report reflects XXXX XXXX  accuracy. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation by not reporting information that is 100 % accurate. 

I have attached copies of all correspondence previously sent to your agency, highlighting these violations. It is crucial that you take immediate action to rectify these inaccuracies and ensure my credit report adheres to the standards mandated by the law. 

Failure to address these issues promptly will compel me to explore further legal actions to protect my rights as a consumer. I expect your agency to prioritize this matter and provide a swift resolution.

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: AL
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:
WELLS FARGO BANK has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you

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 2024-01-29
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquires on my credit report that i knew nothing about 1. thd/cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX 2.citibank na best buy XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX 3.citi cards cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....

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 2024-01-29
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquires on my credit report that i knew nothing about XXXX thd/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX XXXX.citibank na best buy XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX XXXX cards cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....

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 2024-02-02
Company: First Advantage LNS Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date Opened XXXX XX/XX/2017 My report includes accounts with a reported name that is different from mine. I don't recognize the account in question. The report shows I owed money to an account that is not mine. The current status of my account is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
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:
Another lie because EXPERIAN FIXED NOTHING DOES NOTHING BUT LIE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2023-12-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-01-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist, formerly known as SunTrust bank closed my account in 2021 due to overdraft that I dont recognize. Now I cant bank with anyone due to them reporting on XXXX and XXXX XXXX XXXX for {$180.00} I really need a bank account I havent been able to get one in years. 
Theyre past statute of limitations.

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 2024-01-29
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I called company the day m car was taken and everyday after in tears XXXX XXXX XXXXXXXX n had already made payment arrangements with bank and they were up healed,, all letters sent came to wrong addresses which they put in one envelope n I received last week been calling since XX/XX/XXXX all have different amaonts owed since day one ended up getting congress and you involved I cant take any more with this company

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 2024-02-06
Company: U.S. BANCORP
State: CA
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:
There was a purchase I did not authorize on my card. My child might have used it without permission, but I dont know for sure. I just know I did not authorize it.

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 2024-02-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A card and account was opened on XX/XX/XXXX with Old Navy through Barclays Bank without my knowledge. I received a call from Barclays on XX/XX/XXXXXXXX  at XXXX XXXX  wanting to verify the account and purchase made on this account at XXXX XXXX  which I denied opening. I received a letter from Barclays on XX/XX/XXXX stating that this account be deleted and or suppressed because of no knowledge of this account. I just received a letter from Barclays dated XX/XX/XXXXXXXX  that they completed their investigation and they determined that the account was valid and opened by me and I am responsible for the balance of {$200.00} which is completely false.

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 2024-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
They were charging me {$15.00} for banking with them even though I had savings and that was there contract either if I kept depositing over XXXX a month or having a saving account with the transfer account every month I had XXXX of each of those things and they kept charging me monthly fee of {$15.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Contacted company on XX/XX/XXXX to request the correct monthly amount due. The account online listed one amount, the auto pay listed a different amount and the billing statement listed a third different amount. In the mean time I am enrolled in auto pay so they are still taking money but then emailed me every month telling me I am missing payments and that I am not making payments. I have contacted them on XX/XX/2023 and never received a response. I contacted them again on XX/XX/2023 and have still not received a response. My first auto debt was deducted for {$200.00} then increased in XXXX to {$230.00} and then again in XXXX to {$280.00}. There has been zero communication on why the increase or what it is based on. I keep getting emails from them telling me I have an overdue balance and missing payments but they have still been deducting the auto pay amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Regarding Umpqua Bank ...... 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was {$2700.00}. This business name on the check is XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX 3 checks were cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was {$6700.00} The business name listed on these checks were XXXX XXXX XXXX. One of these checks was written for {$4700.00} but written as XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. They deducted the {$4700.00} On XX/XX/XXXX 2 checks were cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was $ {$6400.00} The business name listed on these checks were XXXX XXXX XXXX. 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signature, total withdrawn from our account was {$4800.00}. The business name listed on these checks were XXXX XXXX XXXX. 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signature, total withdrawn from our account was {$2400.00}. The business name listed on this check was 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 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX used to be on my account last year and was removed for my account because he is no longer a teenager. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Bank of america is aware that XXXX was not on my account when these charges were pulled from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: Cascade CISS Holdings, LLC
State: FL
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:
I was trying to buy a house, but then I realized that I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. it is a defamation my character.

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Requested removal of XXXX  from mortgage from my loan servicer, Shellpoint / New Rez. XXXX is owned by XXXX XXXX. 

XXXX ID is XXXX XXXXXXXXXXXX 
Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My request to remove PMI was rejected by Shellpoint XXXX XXXX XXXX, for the stated reason of missed payments. 

However, this rejection seems to be in error, as XXXX  missed payments are due to XXXX XXXX, whose rules state that a mortgage which has exited XXXX, which is owned by XXXX XXXX XXXX and has made at least XXXX regular payments since, is eligible for XXXX  removal. 

Compounding problem may be that there are several legal fees which occurred while loan was under XXXX XXXX. XXXX Forbearance rules, for this type of loan owned by XXXX XXXX XXXX do not allow for legal fees due to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Stolen personal info. Falsafied documentation. Misrepresented POWER OF ATTORNEY

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 2024-02-03
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a student loan provider XXXX that defaulted my loan into collections without notice. During the pandemic, all student loans were on temporary pause until it recently started back up. Now that it has started up again, I have been paying all my student loan providers ( XXXX, XXXX, etc. ) on time. When I looked on my credit report, it said I has 35 missed months of payments on XXXX closed account for {$1300.00} and it went into collections. I was never aware of this and was never notified in written notice because loans were put on pause. It has affected my credit score dramatically. I attempted to call Radius Global Solutions in regards to this issue multiple times but no one is answering. There was never an issue of paying the loan, I just never knew it went into default because I never received a written notice.

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