BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I went to transfer money from my account into another one of my accounts. I was told there was an error and I needed to call a XXXX number. I did. I was told my account was being moved to a forced closed status but there were no notes to indicate why. I had a bank manager call and the bank representative told the bank manager the same exact information I was told. The Bank manager asked for further information or details but was told that no additional information is available and that the department in charge of closing the account and releasing the funds is a no content department and can not be called or spoken with. The Bank has thousands of dollars of my money. No explanation or time line has been given and the bank refuses to give any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2023 I submitted a payment of {$69.00} through my bill pay service on my bank account - XXXX XXXX Bank to XXXX XXXX. 
Funds were debited from my account. 
I provided proof of payment and funds being debited from my account. 
However, they continue to claim they can not find my payment and I am still responsible for this payment. 
I have been contacting them concerning this incident try to resolve it since XX/XX/2023 with no resolution. 
I have provided all documentations they asked for directly from XXXX XXXX Bank. 
They continue to tell me it is under investigation, however I am continually being charged late fees of {$30.00} per month.

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 2024-01-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
XXXX XXXX, the administrator of my Lakeview fixed/adjustable mortgage did not adhere to the terms of the Note as they applied a " recalculation '' late in the annual rate change cycle. Initial rate change was effective XX/XX/XXXX. Using XXXX XXXX, XXXX XXXX adjusted rate from 3.625 % to 5.000 % as per terms of Note. XXXX XXXX is negligent in adhering to subsequent terms of Section 4 ( D ) which state " Thereafter, my adjustable rate will never be increased or decreased on any single Change Date by more than XXXX percentage points from the rate of interest I have been paying for the preceding 12 months. '' XXXX XXXX response was the XXXX, XXXX discontinuance of XXXX prompted their use of XXXX to recalculate the interest rate from 5.000 % to 7.500 % which became effective in XXXX! I never received notification of this change although a copy was included with their response to my appeal. XXXX was in effect per the Note at the time of the initial Change Date ( rate 5 % ) which should have been locked for 12 months. The company took the liberty to use this " recalculated '' interest rate and add .750 % more as part of the allowable one-year rate change & still appear to be within the Limits on Interest Changes in Section 4 ( D ) - see above. The new rate effective XX/XX/XXXX is 8.250 %, from 5 % to XXXX. XXXX XXXX 's actions are despicable & unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called XXXX after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

XXXX XXXX XXXX  Original Creditor Name SYNCHRONY BANK Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: LDF Holdings, LLC
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I got a loan to help a friend in need quickly for {$300.00} and I'm XXXX, XXXX, on XXXX income only and was surprised I was approved but they have continued to withdraw now another payment and to this date I have paid nearly {$2000.00} on a small {$300.00} loan which I never believed it would be that much and I'm shocked ... I've reached out and phoned, but no return call. I did get a copy finally but I am thinking this is excessive and taking advantage of a mentally and physically XXXX person. I feel they need to halt but they don't return my calls or emails Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a job scam. I was offered a position of a remote data entry clerk, I went through a XXXX XXXX training and I was sent a check of {$2500.00}. I was told by the scammer that {$460.00} out of the XXXX were for my paid training. The rest would be to fund my equipment. I was told by the scammer to deposit the check and send over {$400.00} that were available that day from the deposited check through a wire transfer. I made the wire transfer through my bank institution Wells Fargo. I have the wire transfer details to the scammer I sent the money to. The check went through that XXXX  when I deposited it. {$400.00} were available from that check. I sent over the {$400.00} through the wire transfer and the XXXX XXXX I got a notification from the bank that the funds were being held due to unusual activity. Since I sent the funds a XXXX XXXX, the transfer was complete and the funds had been withdrawn from my own personal funds that I had saved in my XXXX  account. Thats when I realized that it was XXXX  a scam because I tried reaching out to the scammer and he became unresponsive after that. I wouldve never proceeded with the transfer if the check wouldve been revoked as soon as I made the deposit, but the check went through and the bank made {$400.00} available that XXXX. It is not right that the bank used my personal hard earned money to complete the transfer. I needed that money to pay my rent and now XXXX behind on bills due to this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am an XXXX XXXX XXXX  member. I was stationed in Louisiana from XXXX. I sent the XXXX reduction letter & orders to Citibank multiple times with no success. IAW Louisiana Laws ( Title 29:312 ) interest should have been capped XXXX  6 %. I arrive XX/XX/XXXX and recieved extension orders from my trade school until XXXX. All are attached.

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 2024-01-25
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi/Costco emailed me a promo saying I have charges that were Costco purchases that were eligible for XXXX fee and 0 % int rate. This is for any charges above {$75.00}. However, when I clicked on the link to sign up for this offer they slam a monthly fee which is not supposed to be charged as per their ad. I called their XXXXXXXX XXXX XXXX spoke to a friendly lady who reviewed the offer and said it was for charges made at Costco only and not for purchases made on that card elsewhere. I said I knew that and I was going by what they had specifically advertised and specifically they had highlighted the charges on my bill that were supposedly eligible. However, they are not in actuality... They are clearly misleading. She said she would bubble this up but asked me again to go back and ensure that I was selecting charges that were Costco purchases. I tried it again and it is the same - no change..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Providing credit bureaus with false information. Still reporting past due when account should have been closed. Surrender the vehicle still leaving late marks on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired millions from BOFA to what ended up being for cryptocurrency. I was never told by BOFA from the beginning that it could be a scam until it was too late after I had already transferred/wired money and I ended up losing about {>= $1,000,000} which Bank of America should compensate me. The transfers were mainly made from the savings account and may have also been made from the checking 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 monetary relief
Consumer complaint received 2024-01-25
Company: Credit Control, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/24, I received an email notification from XXXX XXXX. It contained information about a creditor assigned and a debt owed. Confused, I checked my account, and noticed that there was a creditor/collections assigned to my account. I googled the collections agency information, and I found out that it has a connection to XXXX. Since it was around XXXX, I could not contact the creditor directly ; so instead I called XXXX. On the same day of the XXXX XXXX email, I called XXXX. The agent told me that he could not find me on their system ( he checked through my social security # and checked my wife 's as well ). He then made a comment about a phone line, and I told him that I never opened one with XXXX He then told me that I should call the collections agency assigned so I could open a identity theft issue. The XXXX rep gave me the direct line for the collections agency. I called the next day, and I spoke to XXXX. He looked me up, and found out that somone bought an XXXX. He also made a reference to North Carolina. He told me that the person ( s ) used my social security, date of birth, and a false XXXX  and home address. He told me that he would put notice on their end of identity theft. He then provided me information like account # 's and the proper steps to fix the identity theft issue ( like file a police report, XXXX package, etc ). Since finding out on XX/XX/24, I have filed a police report with the XXXX Police Department and contacted XXXX and its creditors directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: MoneyLion Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00} XXXX XXXX XXXXXX/XX/XXXX {$130.00}

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 non-monetary relief
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Im involved in the Wells Fargo securities class act settlement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: DIGITAL FEDERAL CREDIT UNION
State: NH
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:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is DFCU the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. 

You have also inaccurately reported my information on numerous accounts. I request that the inaccurate accounts be deleted from my consumer profile. I've attached the inaccurate information on my consumer report and highlighted it in red. 

I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Discrepancies and Errors in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies and errors I have discovered in my credit reports from Experian, XXXX, and XXXX. As a consumer, I understand that the law requires accurate reporting, and I kindly request that you take immediate action to correct these inaccuracies. 

Below, I have outlined the discrepancies I found in my credit reports : Credit Report Date : XX/XX/XXXX Experian Credit Report : Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report : Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report : Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is evident that there are inconsistencies in the way my name is listed across the credit reports. The correct and accurate information is " XXXX XXXX. '' I kindly request that you rectify this error by removing any variations and ensuring that my name is consistently reported as " XXXX XXXX '' across all credit bureaus. 

Additionally, I have noticed that my date of birth is reported differently on the XXXX credit report. The correct date of birth is " XX/XX/XXXX. '' I kindly request that you update the XXXX credit report to reflect the accurate date of birth. 

Furthermore, I would appreciate it if you could conduct a thorough review of my credit reports to identify any other discrepancies or errors that may exist. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I trust that you will handle this matter promptly and efficiently. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute. Therefore, I kindly request that you complete your investigation and provide me with written confirmation of the corrections made to my credit reports. 

Please find enclosed copies of my identification documents, including my driver 's license and Social Security card, for your reference and verification purposes. 

I appreciate your attention to this matter and look forward to receiving written confirmation of the corrections made to my credit reports. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above or by phone at [ Your Phone Number ]. 

Thank you for your prompt assistance and cooperation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Credit Karma, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Per the FCRA as federal protected consumer. I am now opting out of any and all authorizations. I the consumer may have given written & unwritten, verbal or non-verbal per 15usc6802.

15usc6508 15usc1681 15usc6802 15usc1681 15usc1602 16crf313.6 16cfr313.7 15usc1692d 15usc1692e

Company response to consumer: Closed with explanation