BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 using the " XXXX '' Promotional bonus link I opened the Checking account ending with XXXX. Initially I got a response that " We're reviewing your application '' which was received in email also. Next day, I got an approval email with the account details. Since I already having a credit card account, I am able to enroll the online banking immediately with the same credentials. 

Promotion details : Enroll in online banking Complete two or more direct deposits of {$5000.00} or more within 90 days of account opening and complete 10 or more debit card purchases totaling at least {$100.00} to earn a {$300.00} bonus. 
Availability : 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 or nationwide for those who already have a relationship with U.S. Bank ). 
Expiration : XX/XX/2023. 

As per the promotion terms, I have completed 10 debit card purchases totaling more than {$100.00} and XXXX Direct deposits from my employer totalling {$5000.00}. 

On XXXXXX/XX/2023phone customer support confirmed that promotion eligibility was met and bonus would be posted by XXXXXX/XX/2023. I waited till XXXXXX/XX/2023 and followed up on XXXXXX/XX/2023, XXXX raised an internal ticket for the same stating that promotion code is attached and all the conditions are met. On XX/XX/XXXX, XXXX confirmed the ticket was opened on XXXX and status is still in progress. 

I have followed and met all the promotion eligibility conditions, however bank is refusing to pay the bonus amount {$300.00} citing the reason that account was " XXXX opened '' on XXXXXX/XX/2023which lies outside the promotion window. It is a bait and switch scam by advertising nice bonus and delaying the account opening in their back end to deny the bonus. 

There was nothing done from my end related to account opening on XXXX, all the details are submitted truly and completely on XXXX the last date of promotion. Hence the promotion code was attached to the account by their system.

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 2023-01-15
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 at XXXX pm i was trying to withdraw money from the atm unfortunately the atm didnt dispense the money I was requesting {$500.00} and my account was dropped off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo Bank. I am a checking account holder in MA, where WF has NO locations. WF was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, WF encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, WF has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed W-9 on file. WF sent me a W-9 form, which I completed and returned. SO, AS REQUESTED BY WELLS FARGO, I HAVE COMPLETED AND SENT IN THE W-9 FORM I RECEIVED FROM WELLS FARGO AND SENT IT BACK TO THE REQUIRED ADDRESS BY ( 1 ) REGULAR US MAIL, ( 2 ) FAX, AND ( 3 ) XXXX FOR WHICH I HAVE A RECIPT -- -AND STILL the withdrawal/holdings continue. The latest response to this ongoing issue? -- -I rec 'd a response sending me a copy of a deposit requirement and a suggestion that I complete and send in a W-9 form. This is madness -- -and in my view, a violation of the Massachusetts Consumer Protection Statute c.93A. WF had a breach, and they are now imposing a hardship on a customer as a result. Indeed, one WF customer representative advised that I just drop the issue and deal with the withholdings at tax time. This bank is incompetent.

I DO NOT want or need more calls or letters from WF customer service apologizing -- -just find the form I have sent in 3 times and resolve this. 
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 explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
a false check went thru my chase checking account ive never had checks with Chase and the XXXX XXXX  loan was from XX/XX/XXXX and has been sold to collection agency went and got copy of the check from Chase and its has the collection agency/XXXX XXXX. this was not authorized my bank automatically knew it was fraud cause i have no checks unauthorized i called them a few months ago to see if the would work with me and the balance but they wouldnt budge and now all of a sudden a false check for the full amount owed went thru my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: The Leviton Law Firm, Ltd.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Left voicemail message disclosing the debt including the amount and the name of the company to whom the debt was owed. 

Did not give any Miranda three separate times.

Refused to provide verification of the debt twice. 

Used intimidating tactics ( " You already received it, it's not my fault you didn't read your mail. '' ) ( " Verification of the debt is not required on this type of debt. '' ) ( " You'll be taken to court if you don't pay this now. '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Personal Finance Center
State: GU
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
ACCOUNT RESOULUTION GROUP There sending letters that i will be sued. THIS IS A IN HOUSE SERVICE FOR XXXX XXXX  I have sent them a notice to verifies this debt. with no responses These services are unknow junk services late fees tack on The loan was paid in full XX/XX/2023, a XXXX LOAN 60 MONTHS XXXX A MONTH, XXXX XXXX PAID BACK XXXX XXXX behind this letter. Tell me what these charges are for YOU NEED TO INVESTGAT THIS FIRM NOT SOME NICE LETTER TO THEM SHOW SOME RESOVEL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-10-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my credit card without any previous notice, So my card have XXXX points they even doesnt let me get this points they told me you should have at least XXXX points, all I need my points back because you the one who closed my account without any permission, the points never expired but you badly closed my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: OneMain Finance Corporation
State: ID
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:
XXXX XXXXXXXX and XX/XX/ credit inquiries, along with ( 2 ) {$5.00} transactions in XXXX and XX/XX/ in my bank account. I had called and emailed them and I got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881.

Bankruptcy inaccurate 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First Interstate Bank is charging my account {$5.00} a month for a service fee. They are not supposed to do this when there is a direct deposit every month. I have contacted them twice and it was supposed to be fixed. Now again in XXXX a {$5.00} fee appears. I have sent letters to the bank and numerous agencies. Your agency has been contacted twice. My complaint # is XXXX. I talked to XXXX by phone and she said now she needs a picture ID, my E-Mail address, phone number, and she asked for my age before she can give me the results. She was courteous. I can not take phone calls on my home phone because it upsets a family member. I prefer to receive mail. The bank said the fee was deducted initially because of the deposit dates. The direct deposit is Social Security. Social Security is the most dependable deposit of funds that there is. If First Interest Bank is deducting funds from all their Social Security customers, they're making a lot of money from people who might not be able to babysit their bank accounts. CFPB needs to look further into this banks fraudulent practices. It's hard to log into an account when there is not a place to so. All the account features are for accounts that already have passwords.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX ID # XXXX with first horizon bank. I had my wallet stolen along with my debit card. Roughly {$700.00} something dollars went missing from my account. I provided all information they asked for except police report number as XXXX XXXX police never gave me a report number. I made the report over the phone to the police and only received text confirmation that a report had been made. I have been in and out of the hospital dealing with health issues and have hardly had time to deal with getting my money back. The majority of which was taken out at ATM 's which have cameras and should be easy to see that it is someone else making withdrawals. All I want is my money back and to have whoever stole my money prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX claims a XXXX  XXXX company card was opened and used for up to {$4000.00} plus in balance and claims I used overdraft benefits or a balance transfer to send to bank accounts in my name. Bank has not provided proof of which bank account that is because I am a XXXX year old woman with one bank account to collect SSI monthly payments. 

They need to identify the rightful owner of the account and remove it from all three credit bureaus Experian, XXXX, and XXXX  who have taken 8 months to gather baseless material that has not helped. FCRA states that accounts due to identity theft should be blocked or suppressed within four business days of notification. The credit bureaus failed me in protection laws.

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 2023-01-26
Company: LTD Financial Services, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a collection from an off campus student housing property that I did not move into due to no enrollment XXXX  semester XXXX  owned by XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Is the original creditor says my credit report. LTD Financial Services is the debt collection agency. I was sent to collections for {$10000.00}. I've never experienced this I'm XXXX XXXX XXXX. I did not know my rights until I read up on XXXX XXXX about my collection. 
The debt collection agency LTD financial services repeatedly calls me. The most recent calls on my call log include XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX. I have asked them several times to stop calling me. I was not offered any written correspondence from the LTD Financial Services. I ask that this collections and balance be removed from my credit report due to harassment and unprofessional tactics. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Starting XX/XX/2023 my loan was transferred from XXXX XXXX to Lakeview Loan Servicing , LLC. Prior to the transfer I had been receiving regular correspondence and statements from XXXX XXXX. After the transfer, Lakeview began sending correspondence to a wrong mailing address. Due to this error on the part of Lakeview, I was not notified of my new loan servicer, that my automatic payments had been interrupted, or where to send my mortgage payments. As a result of this, I was not aware that I had a new loan servicer or loan payments were not being processed until XX/XX/2023 when I received a notification that my credit score had decreased due to missed payments to Lakeview Loan Servicing. I immediately called Lakeview and paid my outstanding balance in full. During this call, Lakeview notified me that they had been getting Return To Sender on all correspondence they had sent to the ( wrong ) address on file. They agreed that this was an error on their part and waived the late fee assessment. I then sent a formal to their credit disputes office requesting that the late payment resulting from their error be removed from my credit report. They again agreed, and notified the credit bureaus that the late payment should be removed from my credit history. Currently, my online loan account shows that I have no unpaid fees or past due balances. However, I received a paper monthly statement for XX/XX/2023 which states I have a Past Due Amount of {$25.00}. I again called Lakeview and asked why this was on my paper statement but not on my online account. They did not answer my question but insisted repeatedly that it was a fee associated with my Closing. I repeatedly told them that my closing was 17 months ago and there were no unpaid fees associated with it. After being repeatedly challenged on their lie, they finally told me that it was a " Corporate Fee '' from an inspection they ordered as a result of my late payment from XX/XX/2023. I told them that the late fee had been waived as it was charged as a result of their error, and therefor this associated inspection fee should be waived as well. They informed me that they are unable to refund this fee, refused to let me speak to a manager/supervisor. They then said that I could speak to their " escalation department '' to attempt to resolve the matter. After being placed on an extensive hold they then said that I actually could NOT speak with their escalation department and that yet another formal letter must be sent to their disputes department.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND 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