BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: KY
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:
cfpb, Equifax, XXXX, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023, I reached out to the credit department but nobody has reached out.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: LA
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my auto insurance through XXXX, my rates continued to increase. I spoke with them several times from XXXX thru XXXX of 2023 about rates and options. On each and every call I informed them that if this could not be resolved that I would be terminating my policy with them. 

I terminated my policy and then was told because I didn't notify them I would be assessed part of my policy, I argued profusely with them and asked for proof of where it stated I would be responsible for this balance. They could never provide, just stated it was their policy. For the entire time I had coverage with them I paid them, this is an amount that they are trying to collect for additional time, additional time in which they provided zero coverage for me. I was already with a new carrier

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed a couple of unauthorized charges and won the dispute. But they froze my account until i can get a written letter releasing the deposit into my account from the third party and a copy of thier id card. Which is XXXX XXXX?!? How am i supposed to get this information? Theres no way i can. Ive call more than a hand ful of times trying to get more informatoin but they just reapeat this same stuff over and over. I dont know what else to do but email you guys. The amount is a little over {$250.00} plus a referal bonus i had gotten while the accounts been frozen

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: Experian Information Solutions Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XXXX of this year I wanted to get my free credit report from Experian. Their website did not make clear out to do this, and I accidentally wound up signing up for some service. I'm not totally clear actually what the service is, I thought it was putting in required information to get a free credit report, and they signed me up for their service. 

Since then, I have been charged {$14.00} every month by Experian. I've tried logging into their account to cancel whatever subscription I have, but their website either says that I don't have an account, or it says that it is having some kind of technical difficulties. Also, sometimes their website blocks access when I click on certain links. 

I've tried calling, but when I call it immediately asks me for my social security number, which I'm not comfortable giving to an automated machine, especially when I'm having this kind of dodgy trouble with the company. Other times, when I have tried calling numbers on their website, it just doesn't connect. 

I have also tried reaching out by email. They have been slow to respond, and are doing the same thing of asking me for my account information. I've never received any account information, but I'm still being charged by them every month. 

This has been extremely frustrating. I have no idea how I signed up for the service, and I have no idea how to cancel it. I haven't received any actual goods or services in the meantime. 

This appears to be intentional as a way to dishonestly get money from me while doing nothing in return. It is taking a long time to cancel because I'm busy and don't have time to fight through this ridiculous 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 monetary relief
Consumer complaint received 2024-01-22
Company: RENASANT CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a " Simple Checking Account '' from Renasant Bank. When opening this account I made it clear that this was an account I would not use much, so I was concerned about minimum balance fees, etc... I was assured that if I kept either {$1000.00} in the account or had electronic statements then I wouldn't have to worry about fees. So I signed up for electronic statements. 

They publish these terms right on their website. 
Simple Checking is a simple and straightforward account with no strings attached. 
Simple Checking Features Low opening balance of {$50.00} No monthly maintenance fee when enrolling in eStatements, having a monthly direct deposit, or maintaining a daily account balance of {$1000.00} or more. Otherwise, its {$10.00} per month. 
Unlimited check writing Renasant Bank Mastercard Debit Card Mobile Banking Online Banking Online Bill Pay I signed into my account for the first time in several months and realized that Renasant had been taking {$10.00} from my account each month for several months. I received no notification that this was taking place. Also, when you sign up for Renasant 's electronic statements, they don't email you anything. You have to login to your account if you want to see a statement or get a notice. To me this violates the notification rules instituted on banks. I contacted the bank and they said this was because I haven't been using the account enough, something they did not mention either in person or in their advertisements.

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: Ability Recovery Services, LLC
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My phone was at the phone shop and someone unlock my phone and stole my check I did not have XXXX this year I went to the phone shop to get my phone and my check was gone to call center XXXX in XXXX I stay in XXXX tx the shop I was at was spanish that charged me XXXX then I called the bank to let them no and thay where acting funny icalld XXXX gave them my name and card info and keep getting the run around this charge hapind XX/XX/XXXX I still haven't gotten my money back

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17
Company: Prince Parker & Associates
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Prince Parker and Association Subject : Debt Verification Request for Account in the name of XXXX XXXX Tax Payer Number ending in XXXX XXXX XXXX XXXX XXXX Account Dear Prince Parker and Association I am writing to request verification of the debt associated with the account in the name of XXXX XXXX tax payer number XXXX, as listed on the consumer report. I have not authorized the inclusion of this information, and I have no record of doing business with your agency. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request the following information to verify the legitimacy of the alleged debt : An official affidavit of debt pertaining to the account in question. 
A bill of sale confirming the transfer of this debt to your agency. 
Detailed accounting records showing the calculation of the owed amount. 
Documentation proving your ownership and purchase of this debt. 
Evidence establishing your agency as the original due holder in the course of this debt. 
Any contracts or agreements that bind me to this debt to you. 
Furthermore, I request access to my complete accounting records from the time the account was opened until now showing I owe you. This is essential to verify the accuracy and validity of the claimed debt. 

Please provide the requested information within 30 days from the date of this letter. Failure to do so may result in legal action to protect my rights. 

Sincerely, XXXX ; XXXX registered owner of XXXX XXXX property of the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Since my loan was reworked there has been a lingering {$72.00} fee that is simply an " Other Fee '' and those I have spoken to have told me to just ignore and when pushed for info tell me I need to speak to another department that seems to never answer the phone despite multi-hour wait times even when another agent tries to transfer you there.

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 2024-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had the Citi Bank Costco Visa Card for 9 years. I have never missed a payment. I have built up a large credit line. On XX/XX/XXXX  I logged in to my mobile app to find my account had been closed. I called customer service to try and understand why and they stated it was because of a missed payment. However, I never missed a payment with them. They stated that a credit bureau reported I missed a payment elsewhere. I reached out to all three credit agencies to try and understand where I missed a payment and there were no missed payments reported. I reached out to all credit products I have and there were no missed payments. I then called back Citi Bank and submitted a reopen request. They denied it because of a missed payment ( which never occurred ). I then submitted a second reopen request, to which they denied it based off of " substantional number of debts owed to other creditors. At this point I was so frustrated and fatigued I was ready to give up. I made my final payment and called to check on the status of my cash rewards on the card, totaling around {$2800.00} on the year which was to be issued to me following the closing of my XXXX statement. They told me that because my account is closed my rewards would not be issued to me. They stated I had exhausted all internal appeals processes. I feel that, because of my substantial rewards for the year, Citi invented a reason to close my account simply because they did not wish to pay my rewards. I want my account reopened and I want my rewards certificate.

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 2024-01-11
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We filed a XXXX XXXX  Bankruptcy in XXXXboth the first and second mortgages included and discharged, leaving us with debt against liens. We reaffirmed the debt with our first mortgage. Based on the information provided by our attorney, we decided to not reaffirm the second mortgage with Specialized Loan Servicing. Based on the information we received, we believed that SLS would not foreclose. Rather they would write off the debt or sell to a company that buys past-due debt. 
On Monday, XXXX XXXX XXXX we learned that a sheriffs sale had been scheduled. 
A neighbor who is a realtor saw our address and realized we were just 2 doors down. She provided the information she had from the XXXXXXXX XXXX. 

I called SLS and learned that a certified letter was mailed in XX/XX/XXXX and before that one was mailed in XX/XX/XXXX. The one in XXXX XXXX  was the notification and we should have known at that time SLS would be moving forward with the foreclosure process. 

The loan is due for XXXX and a payment was made on XX/XX/XXXX. Per SLS, they never sent any notification before the letter in XXXX. And then the one from 6 months ago. Without notification, they moved forward with the foreclosure process. The foreclosure was filed with XXXX XXXX XXXX, MN, and the sale date was scheduled for XXXX 

Due to the lack of notification that SLS was moving forward with the foreclosure, we very limited in ways to resolve the issue. We are also working on a very skinny timeline and may not have solutions that can be provided to SLS prior to the sale.

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 2024-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2024 my home computer screen was hacked by someone allegedly assisting with a problem. The screen went black and then it was all gone. I had no control over the situation but immediately suspected fraud. I contacted my bank within minutes and indeed a transfer had just been sent. This was not instigated by me and not authorized by me. I drove to my branch right away but there was apparently nothing they could do. My own branch was helpless! My wife and I have made dozens of phone calls to Wells Fargo since the theft and all end up in frustration and many hours of wasted time as if the representatives are only trained to frustrate and deflect. In subsequent calls Wells Fargo has admitted the fraud and that this was unauthorized, but, to date not a single penny has been returned to my account and Wells Fargo remains unwilling to resolve this. I have resisted any formal complaints, having once had faith in my bank, but I am left with no options. I simply want my stolen money returned.

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: eMoneyUSA Holdings, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Clairity bank has made several inquiries on my credit report without my permission. I have not given permission to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The car have increased again by {$2000.00} dollar based of Experian failed to follow the guidelines of the Fair Credit Act Law that requires Credit Bureau to keep information undated on a monthly basis without and excuse My personal life have been put on hold this have fully stressed me out and this company needs to be held accountable for their actions Im requesting arbitration to be started before the complaint is closed this will give me a equal opportunity for a settlement of {$75000.00} I cant get a credit line increase on my soft inquiries that I deserve Experian manager needs to be fired asap no if and or buts about it I believe my lawyer is stepping in next week to take this claim Experian need to represent paperwork that indicates I used the name list on my account as ( ( also know as ) XXXX XXXX if it remove the fake name your employee created to commit fraud and theft this name was created by an Experian worker or manager with no evidence that I utilized this name never ever used XXXX XXXX remove this name I asked over 15 months ago to remove XXXX XXXX asap Experian employee and manager create fake names and addresses to commit fraud with these is inside fraud occurs how are they allowed to keep on placing in accurate information on your Credit Report when information supposed to be verified and validated facts for all the employees and managers that created the fake addresses and fake names on my account. I asked to fully be terminated and not allowed to work in the Credit Report agency for the rest of the life. 

Due to the pain and suffering this have caused me to have a mental breakdown

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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. 

The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day XXXX ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/2023 and have maintained this balance through XX/XX/2023. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements.

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