BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/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 2024-01-28
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX of XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of XXXX of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now.

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: CORELOGIC INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, CoreLogic, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

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: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Lack of transparency regarding AUTO-RENEWAL and NO GRACE PERIOD for Certificates of Deposit by Pentagon Federal Credit Union ( PENFED ). 
I was not told verbally or in writing when I opened a very large CD ( opened XX/XX/XXXX, matures XX/XX/XXXX ) that PENFED has no grace period and that an online auto-renew switch must be turned off by the customer to stop a CD from renewing immediately at maturity. An online auto-renew switch is not a legally binding document and is susceptible to technical glitches and errors. I mailed PENFED a certified letter instructing them not to renew my CD at maturity and to provide me with a written document reflecting my request. A review from a dissatisfied PENFED customer and a XXXX article alerted me to what appears to be PENFEDs attempt to cause unsuspecting CD holders to unintentionally renew a CD and then be on the hook for early withdrawal fees.

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: Possible Financial Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am making a CFPB complaint against Possible Finance INC and all 3 credit reporting bureaus. On XX/XX/XXXX, Possible Finance INC reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of Possible Finance Inc, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXXXXXX  to the CEO of the company regarding the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: Radius Global Solutions LLC
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:
Again, XXXX XXXX is a bankrupt corporation that is begging for money which is fraudulent. Now they are using a 3rd party company called Radius Global Solutions LLC to obtain this fraudulent money. 

They need to cease and desist this practice and this radius Global Solutions needs its license revoked.

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: Experian Information Solutions Inc.
State: FL
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 took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan EARLY!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!

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 2023-12-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

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 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have banking relationship with Bank of America more than 25 years.. I have checking and saving, credit card accounts with them. My problem starts with wire transfer of {$30000.00} to crypto investment website to : XXXX Bank of American refuses to wire transfer the money saying it is a scam site. XXXX XXXX from Bank of America fraud department called me an put my account on restriction. I can not withdraw any money from my account. Because of this, I suffer the following financial loss as result of their account restriction : 1. I signed a contract with XXXX XXXX to fund my account for {$30000.00}. The website is suing me for failure to fulfill my contract. They said they XXXX appeal to the court to frozen my real estate, cars and fund.I have document to prove this. They have forfeited my account money with them. My loss is {$1400.00}. as of XXXX XXXX XXXX I suffered loss of late charge from my other account such as XXXX {$50.00} Bank of America has not right to say I wire transfer to XXXX  is a scam site.It is not up to them to determine which is a scam site. 

I am asking them to pay for my loss of {$1400.00} for putting account under restriction.

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: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My right to privacy is violated when private information is disclosed without my express authorization, and the transaction does not adhere to the Truth in Lending Act.

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: CashRepublic Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given OMNI FINANCIAL OF NEVADA written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per XXXX XXXX XXXX Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under XXXX Form of opt out notice to consumers ; opt out methods, XXXX CFR XXXX ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. 
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with XXXX. 
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
( g ) Duration of consumer 's opt out direction. 
( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 



OMNI FINANCIAL OF NEVADA DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER BUT I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO OMNI FINANCIAL OF NEVADA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: IQOR US INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been getting letters that i belive are a scam saying they are from Allied Interstate stating they are working with XXXX student loans but i have an account with navient and there is no such thing i am on the save plan so i would like to report this company. The company name sending me this letter is claming to be AlliedInterstate the amount saying needs to be paid is {$15000.00} i have received 2 letters now the date issued is XX/XX/2024.

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: SYNCHRONY FINANCIAL
State: OH
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:
In accordance with the fair credit reporting act XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

The response they sent back STILL violates these codes listed above please read 15 USC 1666B. Please REMOVE ALL LATE PAYMENTS

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: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX through XXXX I periodically had overdraft fees come out of My account fraudulently with no mention from the company Wells Fargo.

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: U.S. BANCORP
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had accounts with XXXX, XXXX, AND US BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

XXXX, early 2023. 
XXXX in XX/XX/2023. 
US BANK, XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, 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 non-monetary relief
Consumer complaint received 2024-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I was denied credit from this company, but my objective when applying for credit was to have a credit application drawn up so I may extend my credit to this company. under 12 CFR 1002.7 it states a creditor shall not refuse to grant an individual account to a credit worthy applicant on any prohibited bases. Also 12 CFR 1002 regulation " B '' ( equal credit opportunity act ) is there to promote availability to credit worthy applicants, so they would be in violation. 12 CFR 1002.4 ( D ) states a creditor that provides in writing any disclosures or information required by this part must provide the disclosures in a clear and conspicuous manner. On XX/XX/year>, I applied on an application to B.O.A but their application was not one for use by a natural person, consumer, and original creditor. The federal law for consumer rights protections does not define what a loan is, so I did not want to use that terminology when applying but there were no other accessible forms. I was denied use of my social security card as my credit card when under 15 usc 1602 ( I ) it states any card used to get money, property, labor or services on credit. On my adverse action letter from them it puts that I have major derogatory or delinquencies on my file, but some of those are from closed accounts and debts that were not validated or verified.

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