BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in forebearamce due to covid. I never received documents relating to modification. I have tried and they have taken payments but send back refund because they want entire balance due. I have tried repeatedly to speak with home preservation representative but has not emailed or called back. You get misinformed & misinformation relating on what to do about loan. I have tried to tell them I was in forbearance & have a FHA loan but not trying to work with me even though I have tried to make payments. They sent a package to answer questions relating to ability to repay on XX/XX/XXXX but say I must pay over XXXX by XX/XX/XXXX. I can pay monthly mortgage but I dont have XXXX. Please help!!!

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 2017-06-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had  a CareCredit Card tha t was not accurate with the terms of the card. After awhile I did not receive a bill or a call from them until later in the year of  XXXX . They sent me a court notice where they are suing me for the remaining balance. Once I answered and filed my reply they again did not contact me. Afte r two months I contacted Care Credit to make an arrangement in good faith but, to my avail they did not  want to compromise and were demanding a large monthly payment after informing me that my account was still in the promotion period. After several tries to compromise with Care Credit I had no success and they are currently trying to sue me. I explained to them that I was no longer employed and struggling to maintain at the moment but, they did not want to accept my offer. I need help in this matter. I received this card in  XXXX  or  XXXX . While employed I made several payments on time and some a day o r two late but, every month my payment was increasing and customer service could not and did not explai n to me why this was occurring. I need assistance in this matter as soon as possible. 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 2018-10-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this company which has negatively affected my credit. I want for them to show any document that I have signed and agreed to which I am responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I found out I was a victim of theXX/XX/XXXX data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: IN
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:
As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Agency of Credit Control
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Agency of credit control has placed this collection on my account without notice for the second time. I asked for verification and they have sent a letter that it was paid in full and account will be ceased but still did not put in a request to have account removed from credit bureau or verification. First time I filed a compliant the account was removed off credit report and 6 plus months later account was added back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
NFCU told me they would remove my tradeline if i made my auto loan payment in full. I was late on 2 separate occasions at the end of XX/XX/XXXX and beginning of XX/XX/XXXX. In early XX/XX/XXXX,  I payed the entire loan off. The tradeline was never removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo demands I own a moble phone to view my online checking account. I don't believe this is legal. Can they legally do 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 explanation
Consumer complaint received 2018-11-03
Company: National Credit Services, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Experian to let them know that they have changed my name on my account to my husband 's name. They advised me that my husband membership/account is his name and ssn, and his report, but my membership/account is under his name and date of birth, but my social security number. 

I am not sure how this mixed up happened. I can only imagine because we used the same computer to sign up for separate memberships with different email addresses, two days apart, but when I logged into my membership which I set up two days prior to his ( and it was under my name and date of birth at the time ) we have different login numbers as well ... so when I logged into mines today his name appears and my credit history appears. He logs into his, his name appears and his credit history appears.

So basically they have taken my identity and given it to him and now they are telling me I have to prove that they did that. I asked them can they please just track down what happened and reverse they advised me no. I would need to mail in proof of my own identity. So I am now being inconvenienced for their errors. The time I will need to take off of work to get this done ( going to get social security card, birth certificates, typing letter and mailing or faxing it off ), I will need to be reimbursed for. Additionally, I am trying to make a major purchase and now I have to wait 30-45 days for them to correct what they did in a few seconds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid 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 went to the ATM at XXXX XXXX XXXX. XX/XX/XXXX to cash a check my friend gave me to pay my rent. The ATM captured my card and never gave it back. I called Bank Of America to inform them of this XX/XX/2018 and a Representative sent me a new card but the same information from my old card. I didnt think much of it but today I went to a different ATM to deposit XXXX dollars and the ATM at XXXX XXXX XXXX captured my new card again. I immediately called Bank of America to try to get a explaination. I got transferred twice before i got a Representative. First i spoke with XXXX from the claims department who issued me out a new card and launched an report then he transferred me to his supervisor who name is also XXXX. XXXX, the supervisor informed me that there was flag on my account from fraud because a merchant was compromised so they flagged my card. He had to transfer me to the fraud department.XXXX  from the fraud department informed me that was not the reason my card was cancelled. She told me she dont know. So in three weeks my card was caputured twice at two different locations and no one seems to know the answer. I could not put money in the bank to cover my fees so my account remained in overdraft. The actual bank time conflicted with my work schedule so i couldnt go in to have this issue resolved. This has been very frustrating.

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 2018-11-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, I was a victim of bank fraud. I received 2 emails from Chase about a provisional credit for 2 claims. I tried logging into my account to received a message my account is suspended and I needed to call. I called Chase and the representative told me my account is subject to closure and she will not tell me why. I reported the claims as fraudulent. I visited the local branch on Monday to get a copy of my transactions which Chase refused to tell me on the phone. I found more fraudulent charges that were done locally. I disputed those charges as well. Throughout this whole process, Chase did not contact me at all with any updates. I never received any alerts of fraudulent activities. Chase denied all of my claims and told me their reason is because I did not report the transactions and claims as fraudulent when they immediately occur and that my account was being monitor. Chase did not verified the phone number that was used to call for the claims made. I can also prove that I never called Chase. Chase told me they will not review any camera footages because my account was being monitor ( logging in ) but they did not state what device my account was being login from. I called my cell phone company to see if my mobile phone IP address may have been compromised which could explain how the thief was able to  get my information, XXXX stated that cell phones has temporary ip address. Meaning every cell tower you connect to, your IP address will change. An individual had all of my information to make fraudulent claims. It should be obvious that they also had my bank login information. Chase wants me to pay the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I was approved for a PPP loan through XXXX and the lender XXXX for the amount of {$20000.00}. My loan # is XXXX. I am an XXXX XXXX XXXX XXXX, and I operate my XXXX  as a XXXX XXXX, so I do not have a XXXX  checking account, nor am I required to deposit my PPP loan into a XXXX  account. However, my personal checking account at TD bank ending in XXXX froze my funds for just this reason, since XXXX. I can provide anything required of me to prove my ownership of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AL
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 am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reason for Dispute : I believe that these account inquiries are invalid. I did not authorize these inquiries. Please validate this account in its entirety or remove this entry from my credit report. Thank you. 
Hard Inquirie ( s ) : XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have contributed over {$670.00} to my MoneyLion Investment account, not including the profit from investing or the extra {$1.00} per day login credit. On XX/XX/2018 I initiated my first ever transaction on this account by transferring {$200.00} and depositing it into my MoneyLion Checking account. After the transfer, my balance dropped to around {$490.00} which seemed accurate. A few days after my withdrawal of the {$200.00} I wanted to withdraw {$400.00} from my account but received an error. I tried over a span of a week and still was unable to transfer the funds even for lesser amounts like {$100.00}. I attempted to contact Moneylion over 3 times through chat and over the phone and still did not get an answer as to why I was getting an error. Recently my Investment account dropped from over {$490.00} to {$250.00}. I tried calling, emailing, reaching them through the chat via the app and through facebook messenger for two weeks and they have not given me any information regarding this issue. I really liked this company because it helped me finally build savings, but all the money that I contributed is gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, 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:
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX XXXX , XXXX XXXX  XXXX  XXXX XXXX Please eradicate the accounts mentioned..I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Please remove this account from my credit report XXXX XXXX XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the 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 explanation
Consumer complaint received 2018-06-20
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Around XX/XX/2015 I went to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, IL to look at engagement rings. A young XXXX haired woman assisted me and asked if she could run my credit score to see how much I could be approved for a loan. After coming back she told me I had great credit and she opened a XXXX XXXX credit card in my name without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: AES/PHEAA
State: FL
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:
There are a few issues with XXXX XXXX : 1 ) I keep getting correspondence from them about two loans ( identified by account numbers in the next section ). Only one was even reporting on just one of my credit reports ( XXXX ) -- and that one was deleted for being unverified, which to this day it still is. The total amount for this ONE loan account was about {$260000.00}. Insanity! They are still contacting me about this loan even after it's been deleted from my XXXX  report. I've even gotten a late payment notice with an amount past due of {$2900.00} as of XX/XX/2018. This is really crazy to me. I am a senior citizen and live on a limited income, so it is frightening to ( still ) be getting bills and notices in the mail and for such large amounts! 2 ) Alongside this is the fact that the second loan ( shown as list of disbursements ) I keep getting mail notifications on as well for {$0.00}. This account isn't in my legal name and needs to be deleted on top of it already not being verified either. 3 ) Bottom line is that I have repeatedly asked for verification from XXXX   XXXX and after SEVERAL MONTHS have not received a shred of proof, which is why the larger account was deleted from XXXX. They are still reporting this account with the other bureaus in order to keep sending me bills ; please tell me how an account can be verified and unverified at the same time? Both accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My XXXX XXXX credit card # : XXXX is lost/stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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 would like for A checking account that WAS NOT OPENED BY ME TO CLOSED OR DELETED FROM MY SOCIAL SECURITY NUMBER. BECAUSE THEY CALL MY PHONE CHARGING ME MONEY FOR AN ACCOUNT UNDER MY NAME WITH A MIDDLE INITIAL STARTING WITH THE LETTER " XXXX '' I HAVE NO MIDDLE INITIAL SO THERE FOR IT WAS NOT ME. THERE FOR IT IS SOMEONE TRYING TO DO FRAUD UNDER MY NAME. I FOUND OUT THAT SOMEONE HAS BEEN USING MY SS # SINCE I WAS A MINOR. I FOUND THIS OUT WHEN I TURNED XXXX DUE TO MY H'R TELLING ME DURING THE HIRING INTERVIEW

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