BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
Company: CITIBANK, N.A.
State: CA
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:
Returned items to XXXX and was not issued a refund. Contacted Citi regarding this issue and sent proof items were returned to XXXX but citi refused to issue a refund and cited I didn't respond to the merchant 's claim on time. They closed my case and refused to reopen it. I sent them the appropriate information on time by the requested due 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 2024-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a balance transfer and no fee or no interest for a year and a half balance transfer. However, it is a credit card I used a credit card six more times to purchase incidentals now according to the customer service I must pay interest on everything I have accumulated probably {$43.00} in fees in the last XXXX months or interest, even though I paid my incidental charges off plus additional money to lower the balance

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: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting multiple different balances and account status. My account in their system says I don't have a payment due for XXXX days but they are reporting it to the credit bureau as late. They were reporting a balance of {$8300.00} even after my balance was {$3600.00}. They are preventing me from getting a new auto loan. I'v been to multiple dealers and have been turned away because it was showing I owed 77 % on this loan until yesterday. Then on XX/XX/24 it was reported I have a late payment.

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: Netspend Corporation
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Brinks prepaid card/ netspend closed my account several months ago, yet they are holding the remaining funds in my account- {$520.00}. I would like a check issued for the remaining balance. My account number ends in 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 2024-02-05
Company: CITIBANK, N.A.
State: MT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My mail would not forward from my mail box. I got an email. I tried to bill pay citi bank. They sent it back b/c it had no account on it. I tried calling to talk to a person yesterday and today. They barely speak XXXX. They would not refund the late charges. I told them to close the card. The are a bunch of XXXX  worse than the XXXX  XXXX like XXXXXXXX XXXX  XXXX at the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: BROKER SOLUTIONS, INC.
State: GA
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:
XXXX XXXX XXXX  account # XXXX, XX/XX/year> In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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 my written instructions. 15 USC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: CORELOGIC INC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX i requested a security freeze online, submitted required documentation drivers licence and copy of lease. Did the same with XXXX XXXX, XXXX, and XXXX all request granted except core logic. I was told that the core logic no longer provides credit freezes to consumers, red flags XXXX is blocking my credit freeze for core logic to keep negative information inaccurate information on my report. Staff at core logic are not respecting my rights as a consumer to place a security freeze on my credit, the same is true of XXXX. Missuse of my personal information without my consent and the information is not up to date, it's in accurate. Request was made for all at the same time

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 2023-12-12
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 hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated 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 2024-01-20
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mentioned account ( Brigecrest Auto ) states that the account was delinquent on numerous dates, that the vehicle was recovered, and that one or more statements are inaccurate. If the company reports that the car was repoed it should show when the vehicle was sold or redeemed it shows neither in my credit profile. I spoke with Bridecrest directly and the representative informed me that the vehicle was scrapped and could not be recovered, so in regards to this being the case how can ( Bridgecrest Auto ) be reporting that the car was repossessed, I would just like this company to work with me in stating the facts with dealing with account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/year>, XXXX exact transactions of the same amount were transfered from my checking account to a bank in XXXX. I called wells fargo that day to report the claim, canceled my card and they still authorized the money transfers XXXX days later, even through the card was deactivated. I Contacted wells fargo a month later and they denied the claim. I did not authorize these transfers, my debit card information was stolen off a website we assume. Wells Fargo claims I authorized these but its very obvious that it was fraud to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I have an auto insurance policy ( XXXX ) with USAA. 
On XX/XX/XXXXXXXX  I filed a vandalism claim ( XXXX ) and XXXX XXXX XXXX XXXX supplied the photos regarding damage and entire car paint job, and by XXXXXXXX XXXX a check was issued, but never received after ( 2 ) weeks had past. 
On XXXX another check issued via XXXXXXXX, but never received nor a slip from XXXX, in which the owner from XXXX XXXX has been waiting over ( XXXX ) more weeks, in which the adjuster, XXXX did nothing to track the XXXX  check. 
On XX/XX/XXXX another check was issued and on XX/XX/XXXXXXXX  I received email stating check cancelled due to one of three choices 1 ) check issues in error 2 ) contained an error 3 ) request to be issued payment to another payee. 
On XX/XX/XXXXXXXX XXXX XXXX issued another check to me via XXXX. This has been going on for over ( 1 ) month. These so called issued checks that never reaches it's destination is getting old. 
On XX/XX/XXXX I contacted USAA and I was told the XXXX package was delivered on XX/XX/XXXX at XXXX and signed by a XXXX XXXX 
Security at this location XXXX XXXX XXXX XXXX, New York XXXX stated that there is no security by the name of XXXX working here. 
The repair shop is not happy, I lost ( 1 ) month payment for car parking without a car to park, and created inconveniences and bad relationship with the repair shop. 
USAA should be held accountable for their ghost checks that has never been received to date. ( Amt. {$10000.00} ) I read that USAA had settled to pay 15 mil to US CFPB for unfair business practices, etc. 
ACTION REQUESTED : To have USSA pay the amount due for repairs and paint job to me or XXXX XXXX. 
I paid USAA ( 6 ) months payment on XX/XX/XXXX, thereafter automatic monthly payments. My payments are spot on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America XXXX Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: FC HoldCo LLC
State: LA
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:
I visited XXXX on XX/XX/2023 to look into refinancing my auto loan. 

XXXX website advertises a prequalification with no credit score impact. 

I input my information and, upon hitting submit, moments later I was notified that my XXXX credit report was accessed by XXXX and Flagship Credit AcceptanceXXXX 

None of the three companies listed ( XXXX XXXX, XXXX, or Flagship Direct ) had my permission to do a hard pull on my credit report, and doing so is contrary to the advertising put forth by XXXX XXXX. 

I am including a screenshot of their advertisement as well as a written response from Flagship Credit Acceptance.

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: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. On XX/XX/year> morning I wanted to make a transfer, but I couldn't gain access into my app. Tried in the afternoon, same thing. Couple of hours later I tried via my laptop browser, same issue. I assumed it was a network issue. Moments later, I received a notification from XXXX XXXX, stating that my WellsFargo App has been disconnected from XXXX. 

2. I feared my account had been hacked and I promptly called WellsFargo customer service. 

3. After much transfers, I finally spoke with a XXXX in Loss Prevention unit. He said they decided to terminate the banking relationship due to suspicious activities on my account which they deem risky. So, they decided to shut my account and will on XX/XX/year> send me a check for any balance therein. 

4. I asked for specifics. He said they observed that the account routinely received XXXX payments which I used up almost as soon as it hits my account. 

5. I asked if there's any rule that stipulates how long funds should stay in my checking account before being used. He said there's none, but they considered my activities suspicious, and risky to their operations. 

6. I asked if they : A. Deemed it fit to seek explanation from me about their observation. 
B. Realize that over 95 % of those XXXX transfers were made from my personal salary account with another bank. 
C. Deemed it necessary to notify me in advance, about their decision to shut my account, or indeed, notify me after it had been shut. 

7. To each of these 3 questions, his curt response was : " That's no longer relevant at this point, we have decided to terminate the banking relationship ''. 

8. I then said fair enough, you can choose who to do business with. However, you can not ( without a court order ) hold on to my funds for 2 weeks under any guise. 

9. He responded : " I'm not going to entertain any argument with you on this, the decision has been made ''.

10. I said okay, asked for his name, and thanked him for his time.

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 2024-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Wells Fargo Bank continues to keep my life in financial ruin and my mom has been allowed to have total control over my credit report and my mom has been falsifying probate court documents for the obvious gain to keep opening fraudulent loans for which I have to be responsible for. Well over {$5.00} XXXX if you include the closed Treasury account and my us savings bonds and my federal direct student loan and unemployment insurance.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct EXPERIAN, XXXX, and XXXX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction.

Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


EXPERIAN, XXXX, and XXXX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.

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: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: PA
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:
Went to get my free weekly report and was told that I cant get it with no explanation as to why. Tried to call Experian to speak to someone about it but the automated machine refused to connect me to a representative. No matter what option I picked. It said that it can only transfer me on the limited circumstances, but did not provide what those circumstances are, so that I can speak with a representative. I have been trying to contact them all day to figure out why I can not access my free report online. As I said, they do not allow me or anyone to speak to any representative as they have set up their automated machine to not connect customers with representatives.

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: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I NEVER RECIEVED THESE REQUESTED XXXX. ONLY THING I WAS SENT WAS A threatening LETTER ABOUT SUING ME. AFTER THAT LETTER I HAVE NOT HEARD BACK FROM THEM

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: MCMC Auto LTD
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am not liable for this debt with MIKE CARLSON MOTOR COMPANY and do not have a contract with XXXX  I dont owe anything to this company yet its it still listed on my credit report. I spoke with the lender and they advised it would be removed/deleted from my report. However, it still shows under certain accounts. They did not remove this from credit report like they agreed. I demand this account be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I gave the reasons for repayment due to the extra fees that was demanded cause my vehicle to be repossessed and then cause other fees that a cured during the length of the loan.

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