BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Once again experian marked as duplicate Each complaint has its own merit AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is double charging me overdraft fee for the same items

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 2024-02-05
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Thank you for your computer generated offer. I conditionally accept your offer to pay the entire indebtedness ( twice ) the least on proof of claim, return of my ( ORIGINAL ) instrument ( s ) ( NOT COPY & # XXXX ; XXXX ) and your authority to demand another presentment IF the previous debt TENDERED was REFUSED! You were TENDERED Bill ( s ) of Exchange ( s ) pursuant to Title 15 31 USC 5118 to settle the account.

- HJR-192, Public Law 73-10 and Title 31 USC 5118 prohibits Banks/creditors from demanding any specific specie of payment. All Banks must process lawful United States currency. Failure to do so is & quot ; interference with commerce & quot ;, a felony under the RICO ACT, 18 USC 1951. If you believe you have a lawful reason to & quot ; Dishonor & quot ; this negotiable instrument you must return it to the Agent above wi.th, ) awful reason ( s ) fully stated and cited.

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 2024-02-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute an item of inaccurate information contained in my credit report, which your company has verified. The inaccurate data in question pertains to the open date associated with the account XXXX listed on my credit report. 
I have recently obtained a copy of my credit report from XXXX, and upon careful review, it has come to my attention that the open date for the aforementioned account is still inaccurate. I never opened an account with neither XXXX XXXX nor Helvey & Associates in XXXX XXXX XXXXhis discrepancy has a negative impact on my creditworthiness and financial reputation. I have been denied credit and housing due to this error. 
I believe this error can be traced back XXXX, not the original creditor or a previous debt collector who sold the credit file. However, as the current data verifier, your organization is responsible for ensuring the accuracy of information it furnishes to credit reporting agencies, as outlined in Section 607 ( b ) of the FCRA. 
Having identified this discrepancy, seeing as though Ive already kindly requested that you investigate and correct this information promptly, I now request this record be removed from my credit file as it is a violation of my rights and can be punishable with a {$1000.00} fine. The FCRA stipulates that consumer reporting agencies must conduct a reasonable investigation within 30 days of receiving a notice of dispute. I can no longer trust that you will undertake this investigation promptly, considering my rights as a consumer and your lawful obligations have already been violated. 
Please note that the inaccurate reporting of this account 's open date has a direct impact on my creditworthiness, financial standing, and overall consumer experience. Additionally, I request that you inform all credit reporting agencies to whom you have previously provided this erroneous information, as per Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I am sure that you understand the importance of maintaining accurate credit information, not only to protect my rights as a consumer but also to ensure the fair and efficient functioning of our credit reporting system. 
Thank you for your immediate attention to this matter. I hope that we can resolve this dispute amicably and ensure the accuracy of my credit report. Your cooperation and timely response are greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filled a report on Bank of America and got a call from XXXX a few days ago and on today ( XX/XX/2024 I received a call from XXXX XXXX asking me for my non public private information which is against the law.

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 2024-02-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment 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 2024-02-02
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Was sent a red notice in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: U.S. BANCORP
State: SC
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:
Purchased accounting services and have yet to recieve the services fully completed. Was advised to continue to try to resolve with merchant and when I did that, The bank then refused to assist with the dispute because I was strung along for months with false promises.

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 2024-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX 2019 I was in beloved in an accident report to XXXX insurance. Was told everything was handle etc. XXXX year later I seen the auto loan still on my credit report. Usaa provided information that car was in XXXX I explained everything to them again. And that I have no idea where the car is. I continue to pay if I had a car. But insurance said a check was issued out and claim is clisef

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: MIDFIRST BANK
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an online savings account with Vio Bank. At some point, this account was closed. 

I called them to get information on the last transaction or disposition of the account, and they told me that they could not provide me with that information. I tried logging into my online account, and gave them my username, which then has a popup to verify my account by texting me at my mobile phone. I received the account code and tried to log in and it said that I needed to check my cookie setting. Which is wrong. 

So I called them to see if I had closed the account, or if it had been closed because of inactivity or something. They verified my information, but then told me that I had no account and they could not tell me when my account was closed or how it was, but that they would never close an account if it had a balance in it. I told them that wasn't true, there are state escheat laws that could require them to forfeit an account to a state under some circumstances. They said nevertheless they had no information and could not retrieve anything, but were sure I would have gotten my money from the account. 

it is possible that I even closed it, but in order to ensure that the money came to me, I want to be certain.

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: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Received a 30 day late on my account that was due to a fraudulent charge. 

The charge was removed, but they have still reported me as 30 days late.

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 2024-02-06
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
was denied an extension of credit by continental financial XXXX. I applied for a credit card with Continental financial NO! NO! NO!!!

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

Continental financial has violated my federally protected consumer rights.

15 U.S Code 1642 15 U.S Code 1681 M 12 CFR 1002 Since the letter that was sent to me dated XXXX XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Continental Financial should resort to reasonable procedures to rectify this affair and compensate me for this use of my Securities otherwise dis would be securities fraud since I have no BENEFIT.

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: WELLS FARGO & COMPANY
State: TX
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:
The suspect ( accomplice ) XXXX XXXX XXXX XXXX who received most of the XXXX XXXX transactions in XXXX as shown in the attachment. He and his other accomplices created a scam website XXXX ( now XXXX ) that I was introduced to by the main suspect known from XXXX in early XX/XX/XXXX. I registered at the website to earn commissions by taking and completing orders online ( not physical items ). The website and its scammers instructed me to deposit or make bank transactions via XXXX to the bank XXXX in XXXX to fulfill certain VIP levels to complete orders and earn commissions per VIP levels. However after many false promises to let me withdraw all my deposited capitals or funds and close the account, I still can not withdraw anything at all as of today ( see attached images ). 

I filed multiple complaints online at FBI XXXX ( FBI ( XXXX ) XXXX XXXX XXXX crime ) after meeting the 1st agent who initiated the case on XX/XX/XXXX, and following up with the 2nd agent on XX/XX/XXXX at the local FBI office on XXXX XXXX XXXX in XXXX, Texas. However the FBI agents would not disclose their names and provide a case # and only contact me if needing more information. They encourage me to provide more relevant information which will be the cases with other involved police jurisdictions ( where the high dollar value bank transactions took place ). 

I filed a police report # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This is also required as I currently reside in XXXX XXXX. 

I filed a police report against the main suspect on XX/XX/XXXX with XXXX. XXXX XXXX XXXX of the XXXX XXXX XXXX Department ( XXXX ) XXXX XXXX. His email address 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 2024-02-02
Company: Axiom Acquisition Ventures, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted XXXX XXXX XXXX via telephone on XX/XX/2023 requesting a debt validation letter be sent to my current address and was denied the request. Additionally XXXX XXXX XXXX contacted family members with no responsibility related to debt in question on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still 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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX with a different account number. XXXX in Experian and XXXX in XXXX have 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 an account without my written instructions.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased XXXX drinks with a beach vendor in XXXX. I was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. XXXX drinks obviously do not cost {$870.00}. I did not sign for it. I can not file a police report because it was in XXXX and the police are aware of the scam and do not take it seriously. Bank of America has denied my claim XXXX times now and wont give me any reason as to why they have denied it. They have send me XXXX identical denial letters that give me XXXX information or address my rebuttals at all. I would like a copy of the receipt or at least a copy of my signature. If BoA looked at either of those things it would be very obvious it was not me. I also submitted a complaint with the Consumer Protection Agency on XX/XX/03 ( id : XXXX ) and today XXXX, BoA sent me another identical denial letter. I refuse to accept 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 explanation
Consumer complaint received 2024-02-01
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I've been having a Citi credit card for years. A little over a year ago my card had a fraud alert that someone tried to use my card. I am single and l and NEVER give me card to anyone to use. I called Citi and they had to issue me a new card. I asked them to expedite the shipment of the new card and they did. 

On XX/XX/year>, I had a fraud alert on my new card of only a year. I called Citi and they are going to issue me a new card. I asked them to expedite the shipment of the card as I use this card for everything. I use it to pay my bills, gas, groceries, doctor appts, etc. I rarely use my card to make purchases online!!! NOT SURE HOW THESE FRAUDS ARE OCCURING. The rep says she tried but was having trouble. Today, XX/XX/year>, I go online to my account, and it has NOT shipped yet, so I called customer service again to see if I could get it expedited. I was told " NO, they don't do that anymore. I have to wait 7 to 10 business days for it to be mailed to me. As a long-standing customer with excellent payment history, Citi would not accommodate me. This is very frustrating as I, the customer, is the one who is being penalized for someone trying to use my card. I now have to go to the bank and draw out cash to make my purchases. These credit card companies need to find a better way to get a credit card to an existing customer without this long wait. They also need a better system to protect customers from this kind of fraud taking place. In today 's technology, you would think they would be something safer to use. The card has this XXXX digit code on the back that is supposed to be for that, however, NOT all merchants when ordering online ask for this. Charges to a credit card should require a pin or a fingerprint or something unique to the card holder in order for a purchase to be allowed on anyone 's credit card. 

I am truly frustrated that I am a victim of this, yet I am the one who suffers the most. I will start searching online for another credit card company that I may have to switch to since this is the type of service Citi is providing to it's customers.

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 2024-01-31
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:
XXXX, As this is the only way I can contact you ( you have no email, phone, or other contact listed ), I must wonder why you avoid answering my question and keep referring to my account not showing a stop payment request on our part. Obviously it is impossible to request a stop payment on our part if the fraud is only spotted AFTER the check has been debited from our account. If I used the words " stop payment '' incorrectly I apologise, but obviously I was referring to the approximately 4 month period from when US Bank froze the forgers account, to when I had the debited amounts credited back to my account. If the CFPB won't deal with this absurd time period, I'll find another regulatory agency that will!

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They called my cell and said they were sewing me for bank America for an old overdraft account which I did not have. There phone number is XXXX there name is XXXXXXXX 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 2024-01-26
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchase my domain names from XXXX. I make annual renewal payments. Firstsource Advantage have been emailing me stating I owe them {$32.00}. I renew my annual payments directly with XXXX. I do not have a pass due balance and I have never authorized XXXX XXXX XXXXXXXX XXXX to have access to my Go Daddy account. I have never signed an agreement with XXXX XXXX XXXX, XXXX. I have never signed an agreement with Firstsource Advantage. I have called and asked them to stop emailing me, contacting me for payments. At this point I feel as if they are trying to extort money from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation