BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The audacity! I have said repeatedly, remove all names but 1. Remove all address but 1. Remove all jobs. Then XXXX posted a fraud alert with a phone number listed to call first, which I have repeatedly said remove all phone calls but 1. 

This company and the many other XXXX some agency in banking, credit, reporting, all are acting and behaving like XXXX year olds. Do not listen, and further Perpetuate this operation which keeps the record filled with incorrect information relating to misinformation and bad credit status. 

I have repeatedly instructed that its a violation of my rights to have this material listed and please remove it. 

Im told one told, and find the actions are something completely other than what was discussed. 

Unfair, unjust, unethical and fraudulent conduct continues with this greedy rotten industry thirsting off my credit and sharing none. 

This has gone too far.

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: Possible Financial Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Never received required correspondence per the FDCPA nor truth in lending No right to dispute No debt validation No monthly statement Information on reports inaccurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have 2 gift cards, one XXXX for {$50.00} and one XXXX for {$100.00}. They claim to be usable anywhere an XXXX or XXXX card are accepted. However, when I tried to use them at multiple online stores, the transactions would not go through. In the case of the XXXX card, I was billed {$0.00} each time my transaction was declined. Customer support for these cards is completely automated and do not allow me to explain the issue, rendering the support number essentially useless.

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: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called this weekXX/XX/XXXX@XXXX.. being that it had been more than two weeks since I opened the account and have not received it. I called in and followed their prompted choices and selected the only one with report card and once selected it said select three if you have not received your card. 

I called back in and connected to a representative and they said I requested my account to be closed. I never did.she said she would reinstate and send new card. My concern is that my account will be closed when I never requested that.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I called USAA because I tried logging onto the app to access my funds, and it said my account was locked. I called the same day and they had me submit my ID to a USAA website and said they would call me within 24-48 hours. 

On XX/XX/XXXX, I called USAA again because I hadnt received a call and I asked to speak to the fraud department or another department and they told me that the fraud department did not have a phone number and that I would just have to wait and that there was nothing they could do. I had bills to pay. 


On XX/XX/XXXX I called again because I had not received a call and requested to know why my account was locked and still was not given any information and was told there was nothing they could do. 

On XX/XX/XXXX, I called again and was told it could take 6-10 business days to hear back, a stark difference from 24-48 hours. Still did not receive any information and could not reach another department.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to XXXX, EXPERIAN, 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 2024-01-19
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I sent a debt validation letter to Credit Control Corporation to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, XXXX and XXXX XX/XX/XXXX  requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Freedom Mortgage is currently my mortgage lender and I am writing to formally file a complaint against them, specifically regarding the handling of my Home Equity Line of Credit ( HELOC ) inquiry by Mortgage Loan Officer XXXX XXXX. I believe that I have been provided with misleading information, which has led to unnecessary financial expenses ( {$580.00} upfront fee ) and an unsatisfactory customer experience. 

On XX/XX/scrub>XXXX XXXX XXXX I initiated contact with Freedom Mortgage to inquire about a HELOC. XXXX XXXX promptly responded, expressing the need for a phone call to discuss the details. Due to a busy training schedule, I informed him that I would be available after XXXX XXXX  and inquired about the information needed to access the equity in my home. 

After a conversation with XXXX XXXX on XX/XX/year>, I proceeded with the application process, under the impression that I was applying for a HELOC. It was only on XX/XX/year>, that I discovered, through a conversation with a friend and a subsequent inquiry, that Freedom Mortgage does not offer HELOCs. This information was not communicated to me earlier in the process. 

I am deeply concerned about the lack of transparency in this matter. XXXX XXXX did not disclose the unavailability of HELOCs until almost two weeks after my initial request, despite repeated communication. This delay resulted in wasted time, money spent on an upfront fee for a service Freedom Mortgage does not provide, and an unnecessary inquiry on my credit report. 

Furthermore, I expressed my preference for a HELOC due to personal circumstances, and XXXX XXXX did not properly inform me about the available options. Instead, he continued to pressure me to proceed with a different product ( refinance ) without a thorough explanation of the terms and implications. A refinance does help me but puts me an a worse position ( unfavorable terms then what I currently have ). The HELOC made the most sense to just take a small amount at a higher rate instead of refinancing the entire amount at a higher rate. 

As a customer in the midst of a divorce, I trusted that the Mortgage Loan Officer would guide me through the process with my best interests in mind. Unfortunately, this has not been the case, and I feel misled and dissatisfied with the service received from Freedom Mortgage. 

I request a thorough investigation into this matter and appropriate action to rectify the financial and credit-related consequences I have faced due to the misinformation provided by XXXX XXXX. 

Thank you for your prompt attention to this matter.

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

Complaint:
XXXX  put all your feet at {$35.00} on my account. I get money once a month and I told the lady to take all of it off she took half of it off and they still charge me {$46.00}. I dont have it the ladies was very rude and disrespectful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A fraud account was opened in my name without my knowledge from XXXX at XXXX XXXX on XX/XX/year>

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: Experian Information Solutions Inc.
State: GA
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:
Experian has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

Experian has XXXX credit matches for credit promotion on my report. 
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 2024-01-22
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 am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with spotloan on XX/XX/XXXX the loan was for {$800.00} and the payments were bi weekly for {$140.00} in total I was able to make 8 payments. I reached out to do a payment plan of 10 bi weekly payments of {$90.00}. In total I was able to make 4 out of 10 payments. I am struggling to make ends meet I am so XXXX XXXX fixed income and I am barely making it I have bills and utilities that I pay monthly and it is causing me to be very tigh with finances and I would like to settle the account for the payments I have made towards this loan and close the account and have the debt forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
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:
Experian sent notwithstanding is a duplicate complaint well its not and Experian I'd lying as usual

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: 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:
Experian starts the week lying about another complaint by saying there STILL WORKING ON THE ISSUE which is a lie they are stalling

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 2024-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
The following unauthorized inquiries on my credit report that I would like removed. 

CREDIT ACCEPTANCE Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 According to the FCRA these unverified and unauthorized items must be removed.

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 2024-01-18
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: Experian Information Solutions Inc.
State: OH
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 called Experian on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to have incorrect/transposed legal names removed from my Experian credit report. The declined to remove stating they did a reinvestigation according to the 15 USC 1681. 
Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my right under 15 USC 1861.

According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. 
.

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 2024-01-11
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : 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 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: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a complaint against a merchant with Citi pursuiant to the card contract XXXX and XXXX policy. Merchant was XXXX XXXX XXXX XXXX, XXXX de XXXX. de XXXX who refused to accept a foreign card in violation of XXXX policy and Local consumer protection law. 

Citi instead of filing a complaint against that merchant, filed XXXX ( XXXX ) DISPUTES against a different merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Citi was contacted XXXX separate times to try to resolve this issue, remove the disputes, and has not done so. 

A complaint has now been filed directly with XXXX, XXXX XXXX XXXX, XXXX, MO XXXX Citi has not done what is required of them per XXXX Rules nor what it is legally required to do under Card Holder Agreements. 

Original letter to Citi attached. ( private info redacted )

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 2024-01-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a merchant dispute with my bank for the transactions listed on the attached documents. 
The claim was denied sayin that the card was present and was authorized by me. When I opened the claim I was very clear saying that those transaction where authorized and made be me but the merchant NEVER sent the items. 
The bank never requested more information about the case or ask about it. 
Attached also goes the inovice and order receipt to support my case. 
This claim was handled in inappropriate way and didnt follow the transfer act and regulation E and Z, also didnt apply the chargeback procedures for this cases. 
Im Bank of the West customer

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX XXXX has been appointed a 3rd party service provider for the refund of unauthorized add-on products ( Identity theft ) from Wells Fargo XXXX I called XXXX XXXX after receiving a letter from Wells Fargo regarding add on fees I incurred from Wells Fargo unauthorized. I was informed I would be mailed a check in the amount of {$460.00} plus an additional {$250.00} for fees I had incurred. Unfortunately, I have not been compensated as promised. I was only mailed a customer satisfaction check for {$250.00} and not the {$460.00} in fees I had incurred. I was initially told I would be reimbursed within 20 days. I was then told 30 days, then 45, and finally 60 days. I was also, told my case would be escalated yet still nothing. I requested a mediation form to be mailed so I could fill that out while I awaited payment and unfortunately XXXX has refused to adhere to the timeframe to reimburse. This is not acceptable & even more frustrating because Wells Fargo has caused financial hardship to me due to overdraft fees, add on product fees, etc. This has resulted in account bank account closures and a tarnish on my banking report. My reference number is 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: 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:
Fraudulent charges were made on my credit card in another country and the credit card company is not reversing the charges. Theyre holding me responsible for charges I did not make.

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