BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
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:
I am compelled to file a formal complaint against Wells Fargo for unauthorized transactions on my account, and the ensuing substandard customer service experienced during my resolution attempts. 

On XX/XX/XXXX, around XXXX XXXX  XXXX, I received a deceptive call from an individual impersonating a Wells Fargo fraud department official. Under the assumption of speaking with the bank, I inadvertently disclosed personal information, enabling the caller to replicate my debit card on their XXXX and conduct unauthorized transactions totaling {$5500.00}. 

The perpetrator withdrew $ XXXX cash and cashed a $ XXXXXXXX XXXX XXXXXXXX. When I reported these fraudulent transactions to Wells Fargo, the response was inconsistent and perplexing. I was initially instructed to file a police report to pursue the cashier 's check claim, conflicting with alternate guidance from different branch managers. This only added to the confusion and delay. 

It is unfathomable that Wells Fargo validated and reimbursed the $ XXXX but rejected the $ XXXX 's check claim, especially as both transactions were linked to the same individual, performed concurrently, and at the same branch. This glaring inconsistency indicates a profound deficiency within the bank 's fraud detection and management systems, inflicting financial loss and undue stress. 

Subsequent communications with Wells Fargo 's executive office and my case manager, XXXX XXXX, led to further ambiguity. The $ XXXX was settled ; however, denying the $ XXXX persists without transparent justification. The opaque and contradictory information I received from various bank representatives has been exasperating and obstructive. 

Such discrepancies call into question Wells Fargo 's claim validation criteria and commitment to protecting customers from fraud. I want an exhaustive review of this issue and reassess my claim. 

I am requesting an urgent engagement to ensure equitable redress, including the full restitution of the unauthorized $ XXXXand an explicit rationale for the initial claim denial. The negligent management of this case by Wells Fargo necessitates your intervention. 

Having been a loyal Wells Fargo customer for 20 years, with both personal and business accounts, my expectations of the banks diligence and customer care were significantly higher than demonstrated.I appreciate your consideration and anticipate a just resolution. 

For yourconvenience, I haveattached a screenshot of the two transactions made that day, and a copy of the cashiers check made out to XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX XXXX -- - ( Wells Fargo has my first name, as 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 2023-11-17
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX. XXXX I have submitted my XXXX ( XXXX ) application to the federal student aid XXXX. Get note that I am transferred to Nelnet XXXX. I call Nelnet in XXXX XXXX times waiting for XXXX to no avail XXXX. Emailed them in XXXX about my issue of not having my account reflect the new payment plan XXXX. Get advised to pay {$5.00} XXXX  to exit my current plan to a new one and it still was not reflected XXXX. Call again XX/XX/17 and finally receive human contact XXXX hr in. 

Essentially, the struggle to get any answers from this company at this scale is quite embarrassing and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: Credit Control, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving spam texts from " Credit Control dept collector '' saying my XXXX XXXX account is with them and to go to a website or to call them. My account with XXXX XXXX is not in collections and never has been this. This is a completely fraudulent text.

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 2024-01-15
Company: CORELOGIC INC
State: DC
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency corelogic has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

Account Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total

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 2024-01-17
Company: SYNCHRONY FINANCIAL
State: NY
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:
Paypal Credit and Synchrony Bank have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the 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
Consumer complaint received 2024-01-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I claimed that Care Credit threatened to list a bad credit report on the three credit bureaus for a " Medical '' debt that I had co-signed for my daughter. I was never informed of this delinquency because my daughter was up-to-date with this bill until she moved away. I was unaware of the status of this loan and never received any notification of this delinquency. I only found out about it when I applied but was not considered for a line of credit with XXXXXXXX XXXX because of a low credit score caused by a charge-off from Synchrony Bank XXXX 
I called Synchrony Bank that same day and made arrangements to pay the balance off in three monthly payments. I set up the payment schedule with XXXX XXXXXXXX XXXX  as I spoke to the representative from Synchrony. The payments were sent to Synchrony Bank according to my agreement. My bank statements show that these payments were made as agreed, but Synchrony Bank 's answer to my complaint said they were not made as agreed. 
My complaint is threefold : 1. Although CFPB was aware that this was a " medical '' debt, they failed to comply with President Biden 's directive of XX/XX/XXXX XXXX XXXX that medical debt delinquency should not be reported to the credit bureaus. 
2. Synchrony Bank never notified me that this account was delinquent ; I had to find out when I was turned down for a line of credit because my credit score was lowered from XXXX to XXXX. 
3. Synchrony Bank defaulted on their agreement to clear my credit and considered it paid by not posting the payments.

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 2024-01-25
Company: I.C. System, Inc.
State: WV
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:
There is a collection on my credit report, the collection agency is I C system for the amount of {$160.00}. It says the supposed account was opened on XX/XX/2020 and it says the original creditor is XXXX XXXX XXXX. I have disputed this claim, but to no avail. Pursuant to 15 USC -1681b I am requesting the form and/or proof of permissible purpose as to how and why any of the the following persons : I C system, XXXX XXXX XXXX, and XXXX, are able to make derogatory reporting to my credit without my written consent? This is a clear violation of the US code and I consider it as identity thief. These private companies posing as fake " bureaus '' have been tricking consumers for years and profiting off their lack of knowledge and the misinformation we have been led to believe. I demand this collection be removed from my credit post haste. Not only is this a violation of the US code, furthermore since I never entered into any agreement or contract with I C system there is no debt or obligation to pay.

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 2023-10-10
Company: MOHELA
State: CA
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:
I started loan repayment in XXXX of XXXX and am targeting PSLF. With the changes around COVID, I currently have XXXX payments. I have worked for a non-profit or not-for-profit since graduating from medical school in XXXX of XXXX. The " missing '' payments occurred from XXXX. There are 3 distinct time periods that should all be considered separately but, it would be easiest if it were possible to retroactively change the entire time period to a " hardship deferment ''. 

1 - I was accepted into a " full time '' online MBA program which started in XXXX of XXXX. However, I did not receive credit for payments for XX/XX/XXXX and XX/XX/XXXX and it is not clear to me why. 

2 - from XX/XX/XXXX to XX/XX/XXXX, I was indeed in a " full time '' online MBA program. However, I reached out to my servicer, Navient at the time, and requested to be taken off of deferment due to my ability to pay and my goals for PSLF. The representative at Navient told me that this could not be done and that my " payments '' would still count. Again, I was working for a PSFL eligible employer at this time. 

3 - On XX/XX/XXXX ( through XX/XX/XXXX ) I was in a residency program at a non-profit hospital. A hardship forbearance was requested sometime prior to this because my wife and I were struggling to make payments on her loans. However, with the legislation changes, I did not get any credit for the time which was considered a " hardship ''. 


As such, I would respectfully request to have the entirety of this period switched to a " hardship forbearance '' and thus eligible to be credited toward PSLF. If that is not possible, despite the misdirection by the servicer Navient, I would request that each time period be considered in its individuality. The timeframe in part 1 has no reason to not be included and its unclear to me why - perhaps an " administrative forbearance ''? The timeframe described in part 3 is a valid reason for " hardship forbearance '' and the servicer simply did not change me over as appropriate for the timeframe. 

Thanks in advance for any help you can provide in this area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After my conversation with the service of the company, they inform that they changed the card, and it will be sent since XX/XX/2024, but at this moment it hasn't arrived. I was out of my country and couldn't used 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 2024-01-27
Company: CORELOGIC INC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS FIRST PREMIER ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently obtained an Amazon XX/XX/XXXX credit card from Synchrony Bank, ending in XXXX. Because I don't like to be late on payments, I set up auto pay to be deducted from my checking account. The screen said my first payment would be deducted by XX/XX/XXXX, my due date. 
Today I logged onto my account and see that my account wasn't credited. I immediately made a payment and then called Customer " Service ''. 
XXXX told because my account has been open less than 6 months, my payment won't be applied for 20 days! That's the most ridiculous thing I've ever heard, and I BELIEVE IT TO BE FRAUDULENT. She said she would refund the late fee, but this practice should not be allowed to continue.

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: CCS Financial Services, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been a member of lendumo since XX/XX/XXXX of XXXX. The first loan I took out was {$300.00} and my amounts were {$48.00}. I paid off that loan on XX/XX/XXXX on XX/XX/XXXX I took out another loan of {$810.00}. I paid down the principal on that one and I paid off that loan on XX/XX/XXXX. I applied for the third time on XX/XX/XXXX for {$900.00} I paid down the principal and the payoff date is XX/XX/XXXX of XXXX in total, I was able to make XXXX payments. I reached out last Wednesday, XX/XX/XXXX explaining that I am going through a hardship to revoke the ACH. I am struggling to make ends meet and I am on a fixed income, barely making it. The principal amount is {$830.00}. I would like to settle for the principal amount and consider it paid in full and I would like to pay that in installments once my finances get better. Yesterday afternoon I received a call from. XXXX but there was no voicemail left I am on a fixed income, barely making it. I have been a customer with XXXX for a year and I hate to be behind but with my income and expenses increasing its Im finding it difficult to make the payments on time in total I was able to make six payments so far. I would like to settle for the principal amount which is XXXX and consider it paid in full, but paid in installments. I am looking forward to a resolution to this matter. And to please cease and desist communications, so I can focus on my finances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by Truist Bank, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted Truist Bank directly and they denied having pulled my credit report. XXXX however verbally verified that there was a hard inquiry from Truist Bank. I did not apply for credit nor give Truist Bank consent to pull my credit. I am demanding that this hard inquiry 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 2023-12-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
WF, I trust this letter finds you well. I am writing to formally request a comprehensive review of my denied claim, involving unauthorized transactions totaling {$150000.00} on my account. 
I recently received notice from the claims department that my claim was denied on the grounds that the transactions were authorized by me. I wish to emphatically state that I did not authorize these transactions, and I have substantial evidence to support my claim : 1. Police Report and Suspect 's Confession : o Attached, you will find a police report detailing my victimization through identity theft. The suspect has confessed to using my identity to deceive bank staff into wiring funds without my authorization. 

2. Proof of Work Attendance : o Additionally, I have attached documentation proving my presence at work during the time of the unauthorized transactions, further confirming that I did not initiate these actions.

3. Wells Fargo Authorized User Policy : o Finally, I have attached the Wells Fargo policy stating who is considered an authorized user. The suspect was never an authorized user and I never gave him my banking information to wire money. As a matter of fact, Ive never made a wire in my life. 
I am seeking a fair and thorough review of the evidence provided. It is my firm belief that the circumstances surrounding this case warrant reconsideration and prompt resolution. 

Id like to stress I DID NOT make these transactions and I am asking Wells Fargo to pay me back for the unauthorized transactions. Wells Fargo has a duty to reimburse me for the unauthorized transactions by law and my customer agreement. 

I am available at XXXX or XXXX to provide any additional information or clarification required for the mediation process. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, 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 2024-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please See Attached Documents for additional information that was requested by the XXXX XXXX XXXX. 

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The XXXX XXXX XXXX have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation!

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