BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
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:
I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXXXXXX XXXX XXXX XXXX  -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and XXXX  as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from 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 2024-01-24
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I purchased a refrigerator from Home Depot, and because they offered an 18 months no interest on the store credit card, I signed up to open an account. The initial credit line was for {$3000.00}. I made my calculations how much I have to pay monthly to make sure the balance for my purchase was paid off by the end on the 18 months interest free period, and that amount was just under $ XXXX ( receipts and statements can be found on company 's files and will also be attached here ). XXXX, XX/XX/XXXX when I review my bill, I saw the fine print that said that the interest free period ended in XXXX, XXXX. I immediately called Home Depot credit card XXXX and asked them about the promotion they had in summer of XXXX, and I told them that when I opened the account, I agreed to the 18 months interest free promotion, and the bill shows I only received a 6 months interest free, and now I was charged a 26.99 % interest rate. The representative offered to adjust the interest rate right away, and after she did I asked her how often does that error happen? She said that the computer system does that sometimes, but they are quick to adjust the rates when customers inquire. My concern is, that many consumers are not aware of the error occurring, and are overcharged without their consent. I feel lucky that I took the time to read my bill in detail today and I found the error early on. An other concern I have is that Home Depot was aware of their faulty computer system and did not correct the issue that causes a lot of their consumers to be overcharged. I request an investigation on this issue.

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 2024-01-20
Company: E-Backgroundchecks.com, Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XXXX of XXXX, Backgroundchecks.com reported that they would not be able to freeze or opt me out of their consumer information database. Since this report accessed by POF and Tinder without my knowledge ( these companies likely included the requirement to pass a background check in their TOS, but I never explicitly authorized a background check nor did I ever receive any notification of one being performed ), I want to freeze this report so that only very intentional applications should be considered. Backgroundchecks.com claims that freezing reports is not required by the FCRA " or any other law ''. Given that they sell almost all data imaginable, this is terrifyingly obscure and opens me up to untold data collection with no ability to restrict it. See their own site at XXXX XXXX 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 2023-11-19
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: In progress
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
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:
This company is violating the Fair credit reporting act by improperly using my credit reports for the accounts stated in the attached dispute letter. 

Those accounts that are being reported are charged off/canceled debt and because they are canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication. The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. Furthermore I was NOT provided with ANY 1099c copies which violates the IRS. A screenshot from the IRS website has been provided. As your company know it is against the law to report any information not proven accurate pursuant to the Fair Credit Reporting Act. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2024-01-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank has blocked my account since XX/XX/XXXX for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/XXXX, neither of which I have received. I called the fraud department multiple times to confirm the letter was sent to my address on file and they refused to confirm whether or not this is the address they sent the letters to. My records show that my address was changed on XX/XX/XXXX, the same day I opened the account, but this is only because the banker who opened my account made an error with my address and had to be changed. So Im guessing the letters are being sent to whatever address the banker initially mistakenly put on my account. OR maybe they sent letters to one of my older addresses on my credit report. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : 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 2023-12-09
Company: A-L FINANCIAL CORP
State: CA
Product: Credit reporting 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 Consumer Financial Protection Bureau ( CFPB ), I hope this email finds you well. I am writing to bring to your attention a pressing issue related to my credit history that requires immediate attention and resolution. 

Over the past two months, there has been a recurring pattern of credit inquiries made on my social security number. To my astonishment, the number of inquiries has reached an alarming level of over XXXX, and despite my persistent efforts, I have been unsuccessful in having them removed from my credit report. 

These excessive and unwarranted credit inquiries have raised serious concerns about the security of my personal information and the potential impact on my creditworthiness. It is evident that my credit profile has been subjected to unauthorized and repeated access without my consent or knowledge, which has resulted in a detrimental effect on my credit score. 

I have taken several steps to address this issue, including contacting the credit bureaus directly and submitting dispute requests to have the inquiries removed. However, each attempt has been met with frustration as the inquiries persist on my credit report, despite documentary evidence supporting my claims. 

I kindly request your intervention in this matter to rectify the situation promptly. I believe that the continuous credit inquiries and the subsequent failure to remove them are in violation of the Fair Credit Reporting Act ( FCRA ) and may also constitute identity theft or fraud. 

I have attached copies of the relevant documentation, including the credit report indicating the numerous inquiries and the correspondence with the credit bureaus. These documents provide a comprehensive overview of the issue and support my claim for urgent resolution. 

I would appreciate it if you could investigate this matter thoroughly, take appropriate action against the responsible parties, and ensure the removal of these unauthorized inquiries from my credit report. Moreover, I request that you provide me with regular updates regarding the progress of the investigation and any steps taken to address this issue. 

Thank you for your prompt attention to this matter. I trust in the CFPB 's commitment to consumer protection and fairness in the financial industry. Your assistance in resolving this credit inquiry issue would provide me with much-needed relief and restore my faith in the credit reporting system. 

Please let me know if there is any additional information or documentation required from my end. I look forward to a swift resolution to this matter

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am XXXX and run a XXXX XXXX. I provided the documents required to open my account with US Bank but was told they were not legible. I was asked to resubmit them at least 5 or 6 times. I submitted them each time I was asked, but they kept looking at the first documents I submitted and telling me they were not legible. Because I am XXXX and permanently XXXX, I have some challenges with my handwriting, which I repeatedly explained and asked for assistance and if they have an XXXX XXXX. One person joked about my XXXX and asked me what my XXXX was and told me I just needed to write the form better and that it wasn't their problem that I couldn't write it better. She hung up on me and then she actually picked up the phone and laughed at me when I called back. I repeatedly explained that I would like assistance and was finally told by a XXXX they had an editable version of the form, but that the issue was rectified so I didn't need to complete it. After this, my account was closed - backdated to XX/XX/XXXX. The reason noted in the letter I received about my account being closed on XX/XX/XXXX, ( dated XX/XX/XXXX - showing my account closing effective for XX/XX/XXXX ) was that they had been trying to reach me by phone, email and mail - even though I had been assured on multiple occasions that the issue had been resolved as recent as an email I received on XX/XX/XXXX - confirming my account is active and open as of that date.

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: WELLS FARGO & COMPANY
State: TN
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:
I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 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. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Complaint about Citibank Credit Card On XX/XX/XXXX a credit card ( XXXX  ) and money were taken from my wallet while I was playing tennis at the XXXX XXXX XXXX in XXXX DE. Charges were attempted with my XXXX card at a local gas station. I received a fraud alert from XXXX and the card was cancelled. 
My Citibank card was also in my wallet, and a purchase was attempted at the XXXX XXXX # XXXX in XXXX DE with my Citibank credit card. An email was sent to me at approximately XXXX XXXX  on XX/XX/XXXX, while I was still at the country club playing tennis. I received an email that the charge was declined on XX/XX/XXXX. I called Citibank as soon as I became aware of the fraudulent charge. This was done on XX/XX/XXXX at approx XXXX XXXX.. The Citibank card was still in my wallet, though suspect that it was compromised, given the theft of the XXXX XXXX and money from the same wallet. There was also a piece of black cloth, resembling a piece of stocking left in my purse after the theft. I also filed a police report with the XXXX XXXX XXXX Police department. complaint number XXXX. 
Citibank has posted the charge for {$2300.00} to my card for this fraudulent charge. Stating that I had shopped at that same XXXX XXXX in the past. 
I ask that the charge be removed from my 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 monetary relief
Consumer complaint received 2024-01-29
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting 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:
inquires on my credit report that i knew nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  says its on file till XXXX XXXX XXXX could not reach anyone at this number inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....

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 2024-01-26
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
MY ADDITIONAL CARD HOLDER LOST HIS WALLET AND HIS CARDS WERE STOLEN HIS XXXX, MULTIPLE XXXX XXXX, XXXXXXXX XXXX CARDS WERE STOLEN FROM HIS WALLET AND MISSING FROM HIS WALLET THE CARDS WERE USED IN KANSAS, AND UTAH AFTER THE FRAUD INVESTIGATION WAS OPENED THEY CLOSED MY ACCOUNT THIS IS UNACCEPTABLE. THIS ACCOUNT NEEDS TO BE REOPENED IMMEDIATELY AND THESE CHARGES NEED TO BE REMOVED OFF THE ACCOUNT, I HAVE THE LETTERS FROM BANKS WHO CONFIRMED THERE WERE FRAUD ON MY OTHER ACCOUNTS AT THE SAME CARD THIS CARD WAS STOLEN, REMOVE THESE CHARGES! AND REOPEN THESE ACCOUNTS THIS IS NOT ACCEPTABLE.

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 2024-01-16
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Upon my return home from the XXXX Holidays ( XX/XX/XXXX ), I had received a letter dated XX/XX/XXXX, from Synchrony Bank ( SB ) stating " Change-in-Terms Notice. '' In this letter it gave me the option to reject changes ( which I did reject once I spoke with a representative at Lowe 's ( I could not reach Sychrony Bank ). SB made a threat that if I reject their Terms, that I won't be able to charge anything unless I pay off balance in full. That is when I told them to close my account right then because I don't like threats.

I still have a balance owed -- and I told Lowe 's that rep that I will continue to pay {$200.00} until the balance is paid off, and that I should not be charged the high interest rate since I asked the to close my account. The rep stated that I would continue to be charged interest even though my account is closed. My XXXX XXXX shows that I am still being interest. Is this legal or fair to be charged interest when I asked that my account be closed? I have always paid my bill on time and I never missed a payment. Also, I don't think that it is fair to charge me a fee to mail out my Statement because I don't make payments online. 

My XX/XX/XXXX Bill I owed {$1800.00} -- which I paid {$200.00} My XX/XX/XXXX Bill I owed {$1700.00} with {$43.00} interest To pay Lowe 's off, I pay more in order to pay them off early

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 2024-01-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US BANK suddenly decided to freeze my account with my money in it. After numerous calls I was finally transfered to the right department the agent only told me my account with my money innit is being closed and I will receive the funds amd a letter from them explaining the account closure in 3 MONTHS!! I HAVE BILLS I NEED TO PAY TODAY!!! But they don't care about the customers!!! I spoke to someone else who said it's due to unsuccessful login attempts ( me ) and for a couple XXXX transfers to my other bank account which I confirmed that was me and it still doesn't matter they are closing my account and I will get a check from them and a letter in About 3 months so I have to wait until then to get my money back. I HAVE BILLS TODAY AND ALL MY MONEY IS IN THAT ACCOUNT FROZEN FOR UPTO 3 MONTHS!!! I will tell everyone I know about this and to switch Banks. NEVER TRUST US 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 explanation
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a notice that I needed to update my account with a physical address, which I did. I was never informed that the new address was also apparently unacceptable and they suddenly just closed the account When I called the customer service to resolve the issue. I was asked why I didn't have a # sign in front of my apt number - unbelievable. 

The result is that I have not missed a mortgage payment and I have no money to my name and no way to receive a paycheck.

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