BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: CO
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:
My business debit card from my Wells Fargo account was used as fraud. Wells Fargo contacted me to let me know of the first charge in my account which was {$1500.00}. They were able to credit back my account for this amount, but then there was an additional charge at the same merchant in the amount of {$1600.00} in a matter of 10 mins from the other charge. 
The Wells Fargo representative saw this, and immediately closed my debit card as they saw this as being fraud, and sent me a new card ( that I received 5 days later ) In the meantime I was patiently waiting for the {$1600.00} to also be credited back to my account, and when it wasnt I called back to find out what was going on, and they decided to file a new claim. They temporarily credited back my account {$1600.00} and a few days later I received a letter in the mail from Wells Fargo saying that this charge was not fraud, and the purchase was made by me or someone I know. The {$1600.00} provisional credit was then placed back on my account as a charge. 
After countless calls to the claims department as well as a visit to a local Branch to complain about this situation and ask for my money to be returned, Wells Fargo is claiming that the person who charged the card had the security chip which means it was not possible for it to be fraud and therefore the purchase had to be by me or someone I know. 
I have never let anyone borrow my card and I never made the purchase they are claiming I made. They will not refund my account, and they have not been able to help me. Their response is my hands are tied, XXXX cant help you and no one above me can help you either. 
They are blaming me for this and Im in complete shock that it was this easy for someone to steal that much money from my account and theres nothing that I can do about it. I feel like my money is unsafe being stored in a Wells Fargo account at this point, and I dont know what to do. 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 monetary relief
Consumer complaint received 2015-03-25
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern : I received a notice from USAA auto insurance saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. USAA alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, USAA claimed that their client had a video of the alleged incident. In complete disbelieve that USAA alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- USAA, over the course of two months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from USAA, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a   XXXX   XXXX   XXXX   . I am counting on Public Service Loan Forgiveness in a few year s.     I have done everything right. I consolidated under the Direct Loan program, and do Income Based repayment ( IBR ) while having to file my taxes " married filing separately '' each year to keep my payments down while I wait for PSLF. I have jumped through every single hoop required to participate in this program.     In    XXXX   XXXX  , I se nt in a certification signed by my employer which indicates I have been employed a t this 501 ( c ) ( 3 ) sin  ce   XXXX   XXXX  .      In response, my servicer s ent a letter stating that they are only counting 7 of my last 12 payments toward PSLF.  They have provided no explanation of why these are n't qualifying payments. I called, and no one  at Fed Loan Servicing ca n tell me anything.     They also claim that some of the payments were made before  Fed Loan  started servicing my loan, but can not tell me WHO would be able to give me credit for these payments.     In  XXXX , they said they would investigate this. I heard nothing, and called back in  XXXX   XXXX . They told me to be patient. I called again on Friday and was told that they still ca n't tell me anything and to give it more time.     I should be able to get a straightforward answer as to the REASON why a payment does n't count. But Fed  Loan Servicing do es n't provide any information or answers to borrowers.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. These inquiries listed below was not authorized by me. 
These lenders have accessed your credit file : XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Per Section 611 of  the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully,

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 2022-01-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX XXXX I settled my account with XXXX confirmation number I was given is : XXXX. I was told that my items on the report would be removed with the XXXX XXXX reporting. Instead I received an alert that XXXX reported a " high balance '' and my credit score dropped. I called both XXXX and the credit bureaus to correct this and both pointing a finger at each other saying there is nothing they can do.

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 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
TODAY, XX/XX/2018, I CALLED CUSTOMER SERVICE OF BANK OF AMERICA. I WAITED MORE THAN 45 MINS, & THEN XXXX XXXX CAME ON PHONE. SHE DROPPED MY CALL. CUSTOMER SERVICE OF THIS BANK IS HORRIBLE. STAFF OF BANK OF AMERICA DO NOT HAVE ANY RESPECT FOR CUSTOMER.THEY TREATS CUSTOMER LIKE A DIRT. I WAS VERY MUCH FRUSTRATE WITH CUSTOMER SERVICE OF THIS BANK.

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 2015-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Eltman Law, P.C.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by mail and received XXXX of the same letters on the same day. 
This is regarding some type of collection matter with XXXX XXXX and I had never had an account with them. 
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state " no attorney in the firm has personally reviewed the particular circumstances of your account ''. I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FCRA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by XXXX XXXX to determine the validity of the false demand for the collection of the so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. 

These people are so rude, threatening and this is not acceptable. They need to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is XXXX debt owed to XXXX XXXX XXXX XXXX. ( The " Defendant '' has changed their name 4 times in attempts to commit blatant fraud ). JUDGEMENT was XX/XX/XXXX and was PAID IN FULL XX/XX/XXXX via XXXX XXXX. all evidence attached. XXXX retaliated AFTER FINAL JUDGEMENT and submitted a FALSE and FRAUDULENT " bill '' to Collection AFTER XX/XX/XXXX. There were NO DAMAGES as they indicate. ( Evidence submitted here and to Court, document dated XX/XX/XXXX which proves that XXXX handed over rental property to myself in complete disarray and full of damages, as noted in detail by renter, myself. These damage, as per " FAKE BILL '' submitted XXXX is totally fabricated as these damages done BEFORE I moved in. This bill is FRAUD and made-up in complete retaliation. CEASE AND DESIST and REMOVE FROM MY CREDIT IMMEDIATELY. There was rent due ONLY which was PAID IN FULL as per attached, yet they put in the rent yet again onto this invoice to collection. SUM PAID IN FULL

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX In Store Order XXXX Order For Purchase Total XXXX Promised 24 Mo Finance , Recended, Pay In Full HAVE NOT RECIEVED ITEMS PURCHASED CONTACTED XXXX XXXX CITIBANK / Told To Pay In Full XXXX XXXX  Customer Service Will Do Nothing CITIANK FRAUD / XXXX XXXX  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 non-monetary relief
Consumer complaint received 2016-07-27
Company: Rhojo Enterprises, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am an XXXX XXXX service member. I was living in XXXX and had XXXX XXXX XXXX for telephone service. When I received orders to return to the XXXX, I notified my telephone provider that I needed to cancel service. I recently noticed that there is a debt from this company on my credit report. I contacted XXXX XXXX of Orion Recovery and asked that they verify the amount of the debt. They responded with documents that are in XXXX and could not explain these charges to me. I have explained to Orion Recovery that I do not believe the amount of the debt they are reporting is correct, but they have offered me no further assistance with this matter. I would like the amount of the debt verified and explained to me in a way that I can understand the charges. I truly believe that I am being charge more I owe. I can provided proof that I cancelled the contract and that Orion Recovery are including charges that were before and after my cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Company is TransUnion. We tried to apply for a lease with XXXX. They use this service. We were told that we couldn't get the lease because TransUnion said we had no credit history. This is not true. I logged on to their website. The only information available were for accounts and mortgages we had paid off. There was no detail. There was no history of our credit card payments which is excellent. We have XXXX XXXX XXXX via XXXX. You have to have at least a XXXX credit rating to get the cards. 

There were no details about the mortgages we have had - always paid on time. We feel as if we are being punished for paying off debt. 

This company is painfully lacking information that should be the credit reports. 

Terrible!!!

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 2020-01-01
Company: Experian Information Solutions Inc.
State: MD
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:
My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian and XXXX  have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX  removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and Experian and XXXX have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both Experian and XXXX  unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX XXXX whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from XXXX  and 6 points from Experian.

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 2020-08-04
Company: Conduent Incorporated
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2020 I order a replacement card for XXXX XXXX XXXX On XX/XX/2020 Missouri dept of unemployment issued funds of {$610.00} dollars. That I did not receive I have been contacting for over 3 to for consecutive days now Nd yet to have received my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Froze my accounts on XX/XX/20 without any type of notifications. The company failed to send me an email, Text, or Phone call to inform me About anything. After attempting to use my debit card that was declined, I provided a call to the Navy Federal on XX/XX/20. After calling to see why the debit card was declined, A representative informed me that the company placed a freeze on my accounts for security purposes. The Company is  requesting proof of ID and residents. Ive provided this information to the company multiple times prior to the incident. Ive yet again submitted the information to the company and they have yet to unfreeze my accounts or release my funds to me. This is unexceptional and action needs to be taken ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX i purchased a XXXX XXXX XXXX from XXXX. The loan for this vehicle is handled by Bridgecrest LLC. In order to make loan payments, one has to register with Bridgecrest online. Communications with Bridgecrest online are not possible, because Bridgecrest never answers to any emails. I had an account with Bridgecrest before for a XXXX XXXX XXXX ( Loan # XXXX ).  This vehicle was discharged with my bankruptcy on XX/XX/XXXX, since Bridgecrest denied the reaffirmation of the loan. At no point, they notified me, that the vehicle was discharged and that i could give it back to them. I wanted to register and open an account for the XXXX XXXX, and to my surprise, I noticed, that Bridgecrest added the new vehicle to the old account. The purchase of the XXXX XXXX has NOTHING to do with the old account. I requested them to allow me to open a new account for the XXXX XXXX. Like always, no answer from Bridgecrest. I need to be able to open a new account for the XXXX XXXX ; putting these 2 loans together in one account is, in my opinion, highly questionable, if not illegal. I hope, FTC can get an answer from Bridgecrest. The XXXX XXXX needs to be removed and the account closed, since the vehicle was fully discharged in my bankruptcy. Bridgecrest needs to allow me to open a new account for the XXXX XXXX before XX/XX/XXXX, when the first payment is due. I will refinance the loan in the very near future, so I can get together with a more ethical finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: TX
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 company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with non-monetary relief