BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
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:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate correction of an inaccurate late payment entry on my credit report. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon a thorough review of my credit history, I have identified that other credit bureaus have accurately reported my positive payment history with this creditor during the mentioned timeframe. However, your bureau continues to display an inaccurate late payment entry, raising concerns about the accuracy of the information being reported.

It is perplexing that these discrepancies exist across credit reports, questioning the consistency and accuracy of the information reported by your bureau. I kindly request that your bureau conducts a thorough investigation into this matter to rectify the inaccuracies on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and it is essential that your bureau upholds these standards.

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 2024-01-29
Company: TRUIST FINANCIAL CORPORATION
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:
Improper useof consent without permission state in the Credit law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: U.S. BANCORP
State: CO
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:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response

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: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX I was notified by the lender that I did not qualify for the purchase of my home, and need a co-signer. After speaking with family friends, they decided they were not comfortable with moving forward. And as a result the loan was denied. I have requested a copy of denial letter from lender, and have had no response. I have also requested my Earnest Deposit money be given back to me in the amount of XXXX. The builder is now stating that they do not have to give any monies back and that they are only willing to give me half of monies. However, they are no longer responding to myself or my Relator to discuss this concern. 

I believe that they violated regulation B with regard to providing me with the application update within 30 days of this process. The builder and lender are causing delays resulting in me and my children being homeless. The stress, uncertainty, and unpredictably of this loan process, left myself and children completely traumatized. This experience has been a complete nightmare causing extreme XXXX and distress. Not to mention that the Earnest Deposit is my hard earn money that I have saved as a single mother. I would assistance in resolving this urgent matter. 

Thank You Kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2024-01-23
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo is reporting a closed account to third parties without my authorization, In accordance with the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, as the consumer, may have given said company whether written, verbal, or non-verbalper 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX, and 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: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
This is a complaint..but more so how can you scenario. How can banks, lenders, get away with charging high interest on vehicle loans? Your purpose is to HELP PEOPLE, Not XXXX them and set them up for failure. You feed and prey on high risk people such as my self. Deferring payments doesn't help. 13 % on a car that's not worth XXXX $ a month is ridiculous. While yes I signed the papers, I was desperate. High risk people deserve the same rates as those that aren't high risk. At XXXX 8 % on interest. But when someone asks you to lower their interest for at least 6 months, you should TRY to help them. Not defer payments and not punish them by threatening repossession. You Have No Idea What that person is going through and why they got behind. Maybe they're embarrassed to reach out or ashamed. Regardless, your job as lender is to help. If you're planning on charging high interest, you're better off denying the loan. Some us of are trying to better our credit and 13 % at XXXX $ a month isn't helping. Wells Fargo had to do a huge payout ... and they still haven't learned their lesson because they're still screwing people over.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian blocking access to account because phone number they have is incorrect, rendering my inability to unfreeze so that creditors have access. 
I have been unable to move forward on loan applications They refer you to a phone that you can never talk to customer service. They should not have that kind of power over consumers.

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: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a HELOC with Bank of the West on my primary residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This house was sold in XX/XX/XXXX and the HELOC was closed around the same time. BMO took over Bank of the West. I called BMO several times to request for the total mortgage interest paid on this HELOC for the year XXXX so that I can file my taxes early. BMO can not find information on this HELOC. I believe BMO erased all data on all closed accounts without consideration for documents and information needed for tax purposes. 

I went to the BMO branch in XXXX on or about XX/XX/XXXXXXXX Staff at the bank called the mortgage office. It appears nobody can find the HELOC data/information. A supervisor promised to work on the problem, get a copy of my 1098 and call or email within 2 days. I did not receive a call or email. 

I, again, went to the BMO bank in XXXX today ( XX/XX/XXXX ) to follow up on my request and spoke to the manager ( XXXX XXXX ). I, again received another promise that I will be furnished a 1098. 

To my knowledge, BMO is a XXXX company that took over Bank of the West. It appears, BMO is not cognizant of US tax practices and negligently deleted vital information needed for tax purposes.

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 2024-01-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank closed my account back in XXXX due to the accusing me of posting a fraud check. I called Citibank and I had them call XXXX XXXX  who issued the check and they verified that the check was not fraud, but they could not re open the account. I said that is fine just send me my money. The representative told me I will be getting my money within 60 days. Its been more than 60 days I have not gotten my money or any updates. Every time I call them all of a sudden my mothers maiden name is not correct and they can not access my account but when I threaten to get a lawyer the representative then all of a sudden told me he can see my account and that he sees that I am owed money but he cant help me and he will ask the escalations department and states he will personally call me back within 48 hours. I never got a callback. I have called every single day and the representatives that answer either hang up on me or they told me that they have to look into it further because they cant answer my questions on whats happening with my money! All I want is my money!!! 
Citibank is fraud and thieves. My mothers maiden name has never changed and I was able to access my account with that name prior to me asking for my money but since I want my money they are stating that that is no longer correct. This is ridiculous.

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: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi bank mastercard i use to have since XXXX with auto draft for payment. In XX/XX/XXXX i noticed fraudulent charges. Calling citi bank and asking to close the account and not to resend a new card. I retired and did not need it anymore. Request ignored. New card sent. Repeated calls to customer service and fraud department who tell me they have refunded the charges to my account. Problem is I do not have nor authorized or activated any new card they keep sending. I have 3 replacement cards attached to the letters in which they were sent. I have no idea nor will they tell me the card number or my account number being used that is attached to my checking account. Every month since XX/XX/XXXX through XX/XX/XXXX of XXXX i make calls and attempt to stop this. Now my bank at XXXX has agreed to halt auto pay and investigate. Citi bank has refunded some charges but only to a card account that the fraudulent person is accessing. I should have no current account nor any authorized credit card with citi bank as of 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 monetary relief
Consumer complaint received 2024-01-18
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
this company SPECIALIZED LOAN SERVICING took over my loan & from day one been nothing but headache!! i've called customer service & get transferred to 5 different people & they all say " not my department "!!. here 's lastest problem!! on my XXXX payment due statement they say i am {$710.00} late. here 's sequence : i sent check on XX/XX/XXXX  ', they cashed it on XX/XX/XXXX  ' & they posted on XX/XX/XXXX  ' that payment late!! they had the money!! they held the payment of {$710.00} & the payment due notice i got for XX/XX/XXXX XXXX ', show 's {$710.00} portion of payment is late & charge me late fees!!!! they had the money, i went to credit union & got a copy of the cashed check!!!!!!!! they are really crooked & i can't get a straight answer out them!!!!!!!! i need help!!!!!!!!!!! 

thank you!!!!!

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: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My windows were installed by XXXX XXXX XXXXXXXX. My loan was with Regions now Enerbank. The original loan was for windows in the amount of {$11000.00} on XX/XX/year>, I have made a totaled payments in the amount of {$1500.00}. My balance is {$11000.00} which does not make any sense, I was just informed today the interest was compiled daily. The more I pay the more interest they get?

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: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Citibank Mastercard. A charge was put on my credit card for 2 months of subscription from a company called XXXX XXXX XXXX. I was on XXXX XXXX  ordering physical things no problem. This company got a hold of my credit card information and charged me to subscription fees of {$54.00} each total {$100.00}. This started in XXXX. I called Citibank several times in XXXX, XXXX at least 15 times. They assured me I had nothing to worry about they were sending my complaint to their fraud and investigation department and the charge would be removed, .I called again they said they had closed my dispute in favor of the fraudulent company charge, They sent me 2-3 new credit cards so this company could not charge me any further. I dont have the charges to show you because they have removed it. I would call they would say it takes 90 days to investigate this charge I would call again they would say they would open a new dispute. On and on this went. In the mean time they said they would not charge me the {$100.00} they lied they have been withdrawing the money all along. I DID NOT RECEIVE ANYTHING NO SERVICE NO PRODUCT NOTHING. So I have now paid the {$100.00} and received NOTHING for it. I have argued and argued with them and they REFUSE to remove that charge. If this was a legit company I would receive SOMETHING would I not? They emailed me one time the name of the company. So I emailed them. They dont take phone calls they said email this address. The lady at the XXXX XXXX XXXX said she did not even know who I was! CITIBANK MC has lied to me over and over. I have NEVER had a cc company treat me this way they always remove the charge. I have never been told it takes 90 days and not listen to me at all, AGAIN why did I pay this XXXX when I NEVER received ANYTHING No service no product. I called MC again yesterday and canceled the credit card. They said that they had sent me documentation to some crazy email address that is not even mine. Ive had this credit card 16 years. This treatment is horrible and the fact they would not remove the {$100.00}.

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