BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Sun Trust merged with BBT and they converted their systems this year. It appeared some how I had a payment missing so I requested my loan history from the inception of the loan to determine where the error was. My first request was online and was told would have to be mailed or i have to try to go to the branch. But they didnt have it and they said it would have to be mailed. So, I tried again online. I am told they have my request. But have no idea how long until or when they will be able to provide my loan history. My first request was XXXX. Again XXXX and again XXXX and again today. Problem 1. I was paperless and it is no longer available online so they are the only ones with my history since they took mine away prior to XXXX! I dont know if I have a larger problem and wont know until I get my history. To make thing worse they double debited payment in XXXX. So apparently they are struggling and clients are the ones impacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection was already deleted and removed off my credit report but some how another company picked this debt up and now reporting it i have had service with at & t the company name thats now reporting this debt is Credence Resource Management address XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX balance XXXX this is not my account i have no knowledge of this account and will like this removed once again and for them to stop reporting this on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am very frustrated with how wells fargo has treated me in this situation. My online account was XXXX on XX/XX/2015 I called wells fargo but they told me to go to a local branch to open a new one. I did but on the last day of me finishing opening up the new checking account, XXXX XXXX was in the branch, which I had no idea she was there. Then a few minutes later the police showed up but they didn't do anything to me as I wasn't harassing anyone & the banker I was working with can verify I wasn't harassing XXXX XXXX. But she complained to XXXX XXXX who sent me an ugly hostile letter, saying wells fargo is exercising its rights to close my checking account. I called XXXX XXXX but he told me in an ugly tone that I knew what this was about. This was why my new checking account was closed so XXXX XXXX could do this evil dirty trick to have me arrested at the wells fargo branch. But wells fargo has refuses to do anything to make it right. This is real frustrated XXXX XXXX harassed me falsely calling XXXX on me trying to humiliate me. I never wanted a checking account to begin with, but I was pressured into opening one. When I wanted to cash my insurance check but I was approached by XXXXXXXX XXXX XXXXXXXX for me to open a checking account to deposit into my checking account. This was criminal what XXXX XXXX and those employees did to me, at the XXXX XXXX location. Why did they allow me to open a new checking account which wasn't in the negative if I was going to be treated this way? But wells fargo refuses to take action on these employees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: SLM CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been attempting to get the inquiry from Sallie Mae off my credit report since XX/XX/2021. I have called them and spoke to " XXXX '' in XXXX who stated she was documenting as fraud and would forward this to their fraud department. The inquiry stays on. I mailed a letter to Sallie Mae advising this was fraud and requesting they take off the inquiry. They responded saying it was valid and to contact them if fraud. This company has been contacted by me, sent letters by me and refuses to assist. Their fraud service number is always unable to go at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: MI
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:
N Accordance with the fair credit reporting act XXXX  XXXX # XXXX XXXX has violated my rights 15 US C 1681 section 602a states i have the right to privacy.15US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-09-01
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
During the announcement of the Student Loan Forgiveness last year, I called to inquire about the payments that I had sent during the payment pause. 

The representative said that the payments I sent during this period would be reversed and refunded. 

Unknown to me, they mailed a refund check totaling {$12000.00}. This check was stolen and cashed, coincidentally during the XXXX XXXX period when my identity was stolen, which I have two separate police reports filed. 

Aidvantage, my student loan servicer, advised me to contact the PLS Check Cashers, where the check was cashed, which I did visit in person. 

The PLS locations fraud department then advised me to contact the Department of Treasury and ask for a Fraud Package that contains a Claim Against the United States for the Proceeds of a Government Check. 

I got in touch with someone at the Department of Treasury, although they told me to get in touch with the Department of Education.which then forwarded me to Aidvantagein otherwords, full circle to where I began. 

I need desperate help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I went through a divorce back in 2000 in which the judge ordered our home split and sold. My ex then fraudulently got a default status only divorce with the financial portion to be bi furcated. It took me years to even understand what had happened and it never went to court for the financial portion to be split regarding all of the buildings we owned. I could never get an attorney to take my case because when they saw how badly I had been hard done by, and by whom, they didnt want to touch it. Besides I had no money at this point. My ex then lied to the Judge and told him that I was holding up the process. I went to court to defend myself but because of the lies accusations the judge was not on my side and told me to sign off of my house or be in contempt. But when I signed I said that I was signing under duress. My ex became very ill and he had to sell the house so he had his daughter who is a realtor, sell our home and never gave me my share of the equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Nelnet, Inc.
State: MD
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:
This company provided inaccurate and conflicting information. They took my loan over from great lakes. I called on XX/XX/XXXX and waited for an hour and 30 minutes before someone answered. I asked about consolidated my loan and how that worked with IBR repayments. The woman told me that it would start my IBR payments over. When I pointed out that federal student aid site says that that isn't the case, she backtracked and said previous payments count if the loan is consolidated before the end of XXXX, but she still discouraged me from consolidating. She then told me my current plan ( PAYE ) is a 25 year plan. When I asked why, she said she couldn't see why but would call me back on Monday. She never did. She also said I was set to have a payment over {$1000.00} starting in XXXX because " that's the payment information we got from great lakes ''. I was paying {$0.00} with great lakes and can not afford XXXX. Since she never called me back, I called them yesterday. That agent told me I didn't have to recertifiy til XXXX, then backtracked. She also told me if I consolidate, the date of student loan forgiveness on an IDR plan will still vary based in each loan ( this is blatantly untrue ). She also told me I wouldn't have to worry about payments until XXXX and went back and forth on the recertification date. Today, I get an email from nelnet telling me that they received my request to end forbearance ( I never requested this ) and that I will owe a payment in XXXX now. I haven't even had a chance to consolidate or recertify. I haven't spoken to them today at all and made no such request. As soon as I call, the automatic voice says there are no agents available and they hang up ( it was around XXXX XXXX today and they're supposed to be available til XXXX ). I have called and emailed and they have done nothing but leave me on hold, initiate changes I didn't ask for, leave me panicked about changes they made to my account without my consent, and lie to me/give me varied information. They are not equipped to be handling these loans- at least not honestly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: AL
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:
I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.

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 2023-09-01
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
On Sunday, XX/XX/XXXX my XXXX XXXXXXXX XXXX was repossessed through a 3rd party vendor via Bridgecrest Financial LLC. Any repo is a lien. The Truth in Lending Act protects me, I am the Creditor and the Lender, I am a SECURED PARTY CREDITOR with a UCC-1 FINANCING STATEMENT on file. Bridgecrest Acceptance Corporation is the DEBTOR. THE DEPARTMENT OF TREASURY issued a check for, XXXX XXXX XXXX Beneficiary, to pay for this car IN FULL and they have USED me to pay nearly {$600.00} a month for over a year to pay for this car that is already paid for. They have committed forgery, fraud, and conspiracy, I AM A PRIVATE BANKER and I have a trust account. I also suffer from 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 2023-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 I deposited cashier checks {$50000.00} in Washington State, Branch told me that deposit would be hold for 4-10 weeks then available. 
XX/XX/23 I got XXXX. I returned to XXXX XXXX from XXXX on the XXXX. Unfortunately, I know that my bank 's money has been stolen on the XXXX. 
I saw my online bill proved that when it was XX/XX/23, my bank card had been activated without my consent, and the first payment was started. 
OnXXXX, I found that the stolen amount of my company account was stolen from a bank card that I had never received to steal the deposit in my account. The total stolen amount was {$48000.00}, of which, in just 3 days, the stolen places were XXXX XXXX in California and XXXX in Nevada. After 5 days, the bank gave me the final result that they didn't think it was stolen. Then the answer is to refuse to settle the claim. 
And they told me that my bank account will be permanently closed on XX/XX/23.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear CFPB agent, The last couple of years I've been noticing changes to my credit report that are not accurate. I noticed that there are some inquiries that I don't recognize or authorized. the companies are the follows : ( XXXX XXXX ) who added an inquiry on my report on XX/XX/XXXX. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who added an inquiry on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  ) who added an inquiry on XX/XX/XXXX please help me remove those items from my report. 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 non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems Incorporated managed to infiltrate my place of employment and garnish wages from my pay. Transworld Systems Inc. sent my previous employer and Administrative Wage Garnishment document that stated that they had the authority to garnish wages from my pay. My employer allowed the garnishment to go through due to this form. I reached out to the Department of Treasury several times and was told that they did not have an account for garnishment for me nor had Transworld Systems been hired by them to collect a debt. The Department of Treasury and federal law states that collectors still have to abide by federal and state laws etc. I reside in the state of Texas. I reached out to the state representative and the attorney general 's office and was informed that it was unconstitutional to garnish for anything other than child support and spousal support in the state of Texas. As a result of this action, even more negative and counterproductive events took place at my place of employment. Federal law states that collectors have to abide by the state laws and do not have the authority to submit an Administrative wage garnishment if hired by the federal agency separately. I was also not afforded the opportunity to dispute the amount or the debt and when I called Transworld Systems they would not provide me with a hearing packet. I was also told that hearing requests are on a case by case basis on administrative wage garnishments. Federal law states that hearing requests packets must be sent to the debtor 's last known address for administrative wage garnishments. Transworld Systems had knowledge of my current address. I had no way around disputing or defending myself against the debt. This event contributed to the resignation of my employment. 
They are attempting to collect the debt for the XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone got a credit card in my name at XXXXXXXX XXXX XXXX XXXX i don't have the card but it is showing in my credit report. i don't know how someone was able to do this without my ID. It shows in my XXXX XXXX dated XX/XX/2022. a XXXX $ charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: FL
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:
I have contacted the following companies that have a hard inquiry on my credit report on Equifax and they have no knowledge of me. 

XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle Scam on Wed, XXXX XXXX at XXXXXXXX XXXX Dear, Customer We encounter a little problem while trying to credit your Zelle account, you received a payment of {$850.00} USD but we have a problem in crediting your account with that amount because the status of your Zelle account is not a business user which makes your account have a limit and this amount seems to be above your limit. You have to take the urgent step to expand your account limit. 

[ FOLLOW THE INSTRUCTIONS ] Contact the payee to your account to help you send an additional payment of {$500.00} USD so that your account limit can be expanded, As soon as this is done we will send you a notification before we process the total payment into your Zelle account. Your account will be credited with the total sum of {$1300.00} USD immediately Contact Privacy Legal Zelle Logo Transaction and payment assurance. 

An alert has been sent to your buyer in regards to the {$500.00} USD additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the fair credit reporting act XXXX AT XXXX XXXX XXXX XXXX XXXX at 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 and account without my written instructions.

Company response to consumer: Closed with explanation