BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
On XX/XX/21, I looked at my on-line checking account with SunTrust Bank and noticed that ( 5 ) unauthorized checks were cashed on XX/XX/21 and ( 23 ) unauthorized checks were cashed on XX/XX/21 by the bank. These all totaled {$11000.00}. All of the checks were about {$300.00} and not more then about {$400.00}. I was amazed that SunTrust bank would allow that kind of strange transaction to occur without questioning it. I went to our local bank branch and spoke with the branch manager about the fraud. She told me to close the account and she would take care of the rest on her end. On XX/XX/21 I went to the bank and spoke to the manager regarding the fraud and to find out if there was anything more that we needed to do on our end to help the process in getting our money returned to us. She told me that we needed to file a police report. We filed a police report. The officer came to our home to take our information and he gave us a case number. In early XXXX, I called the fraud department to see where they were in the process of returning our money. They said we needed to file an affidavit. They also said that their investigator attempted to reach me. There were not messages left or record of calls from them on my cell. I have contacted the fraud dept. 5 times. They keep telling me that the money will be put in back in my account. Today is XX/XX/21 and no money that was fraudulently taken from my bank account was deposited back into my account by SunTrust. I have written to XXXX XXXX, SunTrust, CEO of fraud. I sent the letter XXXX  on XX/XX/21. I have not heard back from him.

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 2018-06-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX XXXX Visa Card issued by XXXX  XXXX has the following rewards : 1. {$500.00} reward dollars ( unexpired, re-issued on XX/XX/XXXX and XX/XX/XXXX ) 2. {$95.00} reward dollars ( expired ). XXXX XXXX representatives has always assured me that expired reward dollars will be re-issued. 

I haven't been using the card because this type of reward dollars was not the most useful thing for me. I was saving the {$590.00} reward dollars for future purchases. 

I signed in to this account on XX/XX/XXXX to get them to re-issue the {$95.00} rewards dollars that expired, something that I routinely do because the reward dollars expire in 6 months. I found out that XXXX  XXXX has closed my account. I did not receive any warning about them closing my account and hence, losing all my reward dollars as well. 

While XXXX  XXXX might have the legal right to close my account without notifying me, I find this practice unfair and unethical. If XXXX XXXX had notified me that my account would be closed, I would have spent the {$590.00} before they close my account. In essence, by closing my account, XXXX XXXX   has saved the {$590.00} they might incurred if I had the opportunity to spend 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 2019-09-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was left a voicemail stating they were a mediator and my case is in civil court so I needed to contact them immediately. Once I contacted the lady stated my court date was XX/XX/XXXX and she needed to email me the court documents. I explained I do not have a debt. for this amount or with this company and at this point she got very feisty and said she finds that hard to believe since the years were for many years. The agent kept putting me on hold and said she would send me copies of documents by email and that was a lie. The email was a notification letter to collect a debt. 
I called back and spoke to another agent who apparently lied as well by saying he would handle this and believes it might not be my debt and will get me copies of the contracts as well because I requested the proof and he also said he will keep this from the upcoming court date. This agent said he will email me proof and again all I got was a lie and a notice of an attempt to collect a debt. This agent also stated I didnt have to do anything because he was taking care of this but he lied and if I dont respond then I pass the 30 days. 
The agent I spoke to the first time I think was XXXX and the 2nd agent was XXXX XXXX. 
This is NOt my debt and I requested the original contract to prove its me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Winklevoss Exchange LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have created the account in Gemini, after serval weeks my account is not be verified. I have sent a lot of email to get the account be setup so I can deposit/withdraw my fund. But no lucks. And I can't remove my account to make sure my data not be used wrongly. 
They are not following the GDPR and stealing the personal data with money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, 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:
I recently received my credit report through the mail on XXXX/XXXX/XXXX. Upon opening up my credit report I was able to view what was reporting on my credit report. That which appeared to be false information reporting an inaccurate address and an account that had been re-added and I was not notified within 5 days of doing so. I previously reached out to experian and Dept/Navient once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The account shows on XXXX XXXX XXXX that Dept/Navient was indeed removed and now it shows it has been placed back without any notification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Maximus Education, LLC dba Aidvantage
State: OH
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 have been given a slew of misinformation over the years. 
- I was paying after my XXXX XXXX graduation while working at a non-profit. When I began grad school I was told that with my loans in in-school deferment, any payments I made would not count toward any type of forgiveness and ceasing payments would restart my payment clock. 
-In XXXX I lost my job. I was XXXX with {$0.00} income. I called XXXX to figure out my options and was told the only thing I could do was a forbearance. Due to low income when I was working, my loans stayed in forbearance until I returned to school in XX/XX/XXXX. That is XXXX years of forbearance that should have been income-driven repayments. Yet I have heard nothing regarding the current XXXX XXXX dealing with exactly this issue. 
-I have tried repeatedly with XXXX to get a full accounting of my loans, including original amounts, payments made, interest accruals and capitalizations, and forebearance and deferment dates. The only thing I have received does not include ANY of this info. This may be because of the XXXX XXXX to XXXX transfer, because I'm running into the same lack of information with AidVantage. But their transfer should not bring difficulties for the borrower. If they can figure out how to transfer the dollar amounts, they can figure out how to transfer all other information regarding that loan. 
-There are loans on my account which do not match with dates of attendance. I have tried to work with XXXX XXXX AidVantage to figure this out and get it fixed, but have not had any response let alone actual help in resolving. 
-I am currently consolidating for the PSLFA and need this information to be correct, both for that Public Service Loan Forgiveness and the XXXX XXXX. I am getting NOWHERE with my loan servicers. When I completed the consolidation application, I requested it not start for 3 months ( this is how the website details it ) which would be XX/XX/XXXX. I received a letter that repayment would start asap which should not be the case since it is not supposed to start until XXXX. I called for clarification, which they did clarify XXXX. I asked for documentation but instead I received another letter that it would start in 10 days. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: NJ
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 two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for XXXX XXXX credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.

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 2019-03-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to XXXX XXXX with the understanding I would not be paying money back. My XX/XX/XXXX taxes were kept this year due to Default on Federal Student Loans through Sallie Mae. I did sign some papers when I started there in XX/XX/XXXX and XX/XX/XXXX with the intent of not having to pay any money back. I called Sallie Mae on XX/XX/XXXX and they informed me that my loan was sent to another company in XX/XX/XXXX. I ran my credit, and according to my credit history my balance owed to Sallie Mae is {$0.00}, and my loan was transferred three times. I have filed my taxes every year with my husband and have never had any money taken for any debt I've owed for any federal misunderstandings before. I called the Dept. of Education in Texas and they will not speak to me until my loan comes out of default, they transferred me to another company, XXXX XXXX on XX/XX/XXXX. I talked to a lady there who said my loan is up to {$21000.00} or more! Now she mentioned my social security number has been in and out of offset through the Dept. of Education since XX/XX/XXXX. With setting up payment plans with XXXX XXXX for {$5.00} for 10 months they can get my loan out of default and then the Dept. of Education will talk to me. I ran my social security number through the IRS and my number comes back with zero debts and no offsets with my name or ss number on XX/XX/XXXX. This was a non accredited college, that's closed. They would not even give me my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2021-08-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to make fraudulent transactions on my accounts with Santander Bank. 

I am a member of XXXX and enlisted their service in the investigation. 
I completed a XXXX Power of Attorney form for XXXX so they may contact Santander Bank on my behalf and inquire about the investigation. 
The XXXX Power of Attorney form along with supporting documentation was mailed to Santander Bank on XX/XX/2021 and received on XX/XX/2021 - verified by USPS Certified Ticket # XXXX XXXX XXXX XXXX XXXX. 
The agent assigned to my case contacted Santander Bank via phone call on XX/XX/2021 to verify receipt and attachment of the XXXX Power of Attorney form to my account, and was told that Power of Attorney must be completed in a branch. 

Santander Bank then proceeded to freeze all of my accounts for security, stating an unauthorized party had called and tried to gain access to my accounts. 

On XX/XX/2021 I visited my local Santander Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
I spoke with XXXX XXXX and advised that I was aware of the phone call made and that it was authorized. 
My request to unfreeze my accounts was denied. 
My request to establish new accounts was denied. 
My request to have the XXXX Power of Attorney form resubmitted by XXXX was denied. 
My request for the contact information for the fraud department of Santander Bank was denied. 
My request for information on the process of authorizing another party on my accounts was denied.

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There was a fraudulent " hard inquiry '' on my credit report from someone using my name and SSN to  apply for an account with XXXX. I have no account with XXXX  and my SSN was used fraudulently. I have spoken to XXXX and Transunion. I was told from Transunion to get a letter of deletion from XXXX, and XXXX told me to contact you all and file a complaint.

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 2018-02-02
Company: Recovery One, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Recovery One LLC XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
Contacted XXXX and Experian at least XXXX times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can XXXX   and Experian verify this?. Now if neither XXXX XXXX XXXX nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE XXXX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. Transunion already deleted this account months ago. 
Check the attachments to see XXXX XXXX withdraw claim months ago and also a letter from XXXX XXXX as well recently stating they have nothing and should contact XXXX XXXX since the account was sold to them. Its impossible for XXXX or Experian to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both XXXX and Experian are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: Monterey Financial Services LLC
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: Account information incorrect

Complaint:
Monterey Collection Services is reporting inaccurate information on my XXXX  credit report for a company called XXXX XXXX. The company is reporting one balance to the credit bureau, but sent documentation to me with a completely different balance. The balance being reported to XXXX  is higher than the true balance. This is a violation. I have disputed the information twice with XXXX. Monterey Collection Services verified the balance as accurate twice, which it is not. I have attached documents proving the difference, the violation.

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation