BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
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:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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
Consumer complaint received 2024-01-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an outstanding balance of {$.00} and was charged {$7.00} interest

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: VA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX, submitted via phone a dispute related to an issue with an XXXX transaction where I was bitten by multiple bed bugs, and the merchant, XXXX, was non responsive to my complaint. In late XX/XX/XXXX, I received a letter and merchant 's response to dispute that only showed information to support the fact that I stayed at an XXXX property, which was not the basis of my complaint. My complaint ( dispute ) rather centered on service not as described. Submitted a rebuttal on XX/XX/XXXX, that included photos of the bed bites, advised that merchant had not responded to my complaint, and argued that merchant 's response did not address my complaint of bed bugs. On XX/XX/XXXX, I received a letter from Citibank that my dispute did not quality for dispute. However, this was not relayed during the initial dispute submission and is a violation of the Fair Credit Billing Act, that allows for disputes to be submitted for quality of goods not meeting that as advertised.

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 2024-01-24
Company: SUNRISE CREDIT SERVICES, INC
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed two complaints with two different Credit companies and I was asked for more information and was told to call you and now Im filing a complaint because I have never had a account or any kind of business with 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
Consumer complaint received 2024-01-28
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
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 had an account with Barclays, I was Severely impacted by XXXX and a XXXX XXXX XXXX  once I was out the XXXX  I called and paid all of my debt. On XX/XX/year> I called and requested a pay for delete off my credit report with Barclays. I also requested a letter. They stated that it will come in the mail after I pay my balance of XXXX. I never received the letter in the mail and Barclays continue to report inaccurate late payments after the settlement. I have filled multiple disputes, I spoken the Representatives at Barclays Multiple times They told me they do not do anything required, reporting, and they send me over to a company called XXXX XXXX XXXX. I have called and spoke to XXXX XXXX XXXX, and they told me the same thing that they do not do anything with credit reporting and send me back over to Barclays. I have Requested my statements, since I no longer have online access, and I have not received them. I have disputed with the credit bureaus and requested a full investigation so thay update my accounts is verified That it is showing accurate. Nothing is getting resolved. The account is still showing different in accurate information from all three credit bureaus I am requesting that the count is erased completely off my credit 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 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern Youre in violation of 15 usc 1692D 15 usc 1681A FCRA SECTION 622 Section 624 Section 623 THIS IS EXPERIAN LAST AND FINAL WARNING THIS ACCOUNT WAS PAID IN FULL AND XXXX XXXX AGREE TO DELETE ACCOUNT FROM MY REPORT ONCE I FILE A LAWSUIT FOR MY CLIENT YOU WILL HAVE NO CHOICE BUT TO PAY XXXX $ for violation am writing in regard to the above referenced accounts and transactions.This vehicle was repossessed by XXXX XXXX in the State of Florida on or abou and resold on or about XXXX XXXX the laws of the State of FLORIDA. UCC ( 1-308, you will need to look this up ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, THIS ACCOUNT ONLY REPORTING ON EXPERIAN AND OTHER CREDIT BUREAU DID REMOVE. Your job is to make sure credit report is accurate but clearly none of y'all doing proper investigation. UNDER all available State and Federal statutes and UCC 9 remedies. 
SEEKING XXXX in remedies and DELETE THIS ACCOUNT FROM MY CLIENT REPORT Sincerely, 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
Consumer complaint received 2023-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX applied for financing for a new vehicle. We were told we were approved yo which I verified more than once with approving bank. We were told the interest rate, agreed on down payment, agreed on trade in amount. 
I asked them for manufacturer discount for being XXXX veteran and was told no. 
The dealership used high pressure tactics and told us deal was only good through XXXX. I explained that my wife is a XXXX XXXX and had to work but could come to dealership XXXX. We were again pressured to go to dealership by XXXX. We went to dealership XXXX. We signed a contract, paid our cash down payment, left our trade in and drove new car home. 5 days later the dealership called and frantically told us that we needed to return the car. They didnt say a word about returning our down payment or trade in. They said either return the car or finance through the manufacturer at a much higher interest rate. The dealer did not disclose the buy rate or other banks that would finance us. The only option was to finance through manufacturer at much higher rate and we were told this had to be done immediately. We felt enormous pressure to sign new contact out of fear of losing new car, losing down payment, losing trade in. To us, the dealership did a classic Yo Yo finance scam. They completely took advantage of me and wife knowing that we have good income and knowing we were getting car for our daughter. Now our monthly payment is considerably higher and the amount paid through end of loan is much more. They also tried to sell an extended warranty which we refused but as we were walking out of finance office we were told car has lifetime powertrain warranty if we brought car in for annual inspection. High pressure, deceptive tactics, Yo Yo scam. Told by sales manager to refinance it if we didnt like loan terms with manufacturer. Shameful behavior. Finance guy is very dishonest and should not be working in a position of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, has violated my rights. 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-30
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had a number of issues with my US Bank XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX, XXXX XXXX ), namely the difficulty of setup of online profile, difficulty of AutoPay setup ( I had to fax in AutoPay form ), and now an exorbitant increase in interest rate charge. This is unacceptable for business banking. I was never called by US Bank nor notified of this increase in interest rate. I feel I have been purposely misled by false advertising of this credit card. 

Per most recent bank statement, there is a balance of {$11000.00} subject to an APR of 19.24 % when it was previously 0 % for 15 months. I was not properly notified of this increase. I do not know what caused this increase.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  using account # XXXX, has violated my rights. 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX ; has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX 15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-12-06
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts.

In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. 

XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 

I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NV
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 explanation
Consumer complaint received 2024-01-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The Shellpoint Mortgage company escrow analysis is wrong. 
They are saying that I was negative XXXX in escrow. 
However, today this changed to another amount XXXX XXXX XXXX  So according to their math, they are saying that I did not make any escrow payments last year at all. My homeowners insurance was {$4700.00} and taxes were {$1700.00}. The total being {$6400.00}. 
When reviewing this information I have found that they did not apply escrow payments to my account as I was making payments. I average 3-6 months ahead on all of my mortgage payments generally making monthly plus payments. Those payments include a portion that goes to escrow for each payment automatically. 
They have added this negative balance to my current mortgage payment changing my monthly escrow to {$1000.00}. This literally means that I will be paying XXXX a year in escrow. 
As of XXXX XXXX XXXX  ( according to my account ledger ) my escrow balance is a positive {$870.00}. This is after my XX/XX/XXXX taxes were paid in the amount of {$1700.00}. Yet they say I am negative as of XXXX in the amount of XXXX plus. 
My homeowners insurance has yet to be determined as the insurance company non-renewed my homeowners insurance. 
I have been on the phone with the mortgage company and each time I have to go over this again and again. They finally see what I am talking about and promise to have it reviewed. Next time I call? I get to start all over again because no one did anything the first time. Just telling me whatever I want to hear just to get me off the phone. 
My house payment went from {$750.00} to {$1500.00} due to their mistake. 
Apparently, I am not going to get anywhere with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo took it upon themselves to pay XXXX rental car company and overdraw my account ; which due to my previous complaints they resolved by closing that particular account. However, Wells Fargo has wrongfully accused me of debit card misuse and these accusations are both false and defamation of character. It was after my exchange of words with the claims department representative that a day or so later my debit cards were revoked. The account ending in XXXX was newly opened at the time of the debacle with XXXX. This account has my direct deposit from work going into it, and yet accessing my funds is difficult because they have wrongfully and maliciously revoked my debit card with no valid or legal reason to ; nor have they provided evidence of misuse. I was told by the claims department at first that it was to protect me because I was being attacked. Then notes state it was done for misuse. I have never misused my debit card nor my account. My relationship with XXXX and the situation has nothing to do with Wells Fargo. Their decision to act a third party in this matter with XXXX is nonsense because I am the customer. I have contacted Wells Fargo several times about this matter and have yet to have this matter in particular resolved.

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 2024-02-07
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom might concern : I got a collection letter from PAM ( Professional Account Management ). It said I owe a fine of {$140.00} parking citation. I have not received any citation information from XXXX about Citation # XXXX. I looked up my license plate number through XXXX Payment and Inquire. I couldn't locate any information of this Citation # XXXX. Then I search the location of this citation was issued " XXXX XXXX XXXX " It didn't indicate which city and zip code. A citation usually contains a lot more information. Obviously, they are making up this information. 

I received a second letter from PAM today XX/XX/24. In the letter it said that XXXX XXXX XXXX mailed two notices to me but I never received any letters from XXXX XXXX XXXX because I don't live in XXXX. 

I actually called XXXX XXXX XXXXXXXX about this Citation, they have no information about this citation and never send any letters to me which PAM claimed thaXXXX XXXX XXXX XXXX sent two notices. I was told that if I were gotten a citation, XXXX should have handled the case instead. 

I would like to report that this company is scam and commit a fraud that contains false information and try to collect a debt that never existed. 

This company received so many complaints online. Please stop this company from scamming others.

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