BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian ) - Inquiries - personal name XXXX as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2024-01-27
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
For over six months I have had my account set up for auto pay and I am actually ahead on payments. On XX/XX/26 I attempted to update my banking information ( new bank which I had previously had set up with LoanCare ) and received a error message when entering the routing number. I called customer service and was told they can't/wo n't set up auto pay due to a bankruptcy XXXX years ago. I told the rep for more then six months I have had auto pay set up. Rep tells me she doesn't see this and I must have used bill pay. I again assure her I had previously set up successfully auto pay on their company 's web site. After getting nowhere I reached out to a XXXX XXXX in Loancare 's Office of the President for help ( XXXX who had reluctantly helped with previously issues. Each time I call I get voice mail and leave a message which is never returned. It is as if Loancare wants the customer to miss a payment by now forcing the customer to either call every month or mail in a payment. And to be lied to and told I never had auto pay set up with Loancare even though for more then six months I did is a shock. Company is extremely difficult to work with.

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: 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:
Applied and opened a business checking account on XX/XX/XXXX with a welcome offer that was in my " Rewards & Deals '' login page. Applied via that link. I met all requirements for the bonus. 
XX/XX/XXXX : Chatted via phone app, rep said no offer attached, and when I gave them the offer code ( which was pre-filled in the application link ), they said it had expired in XX/XX/XXXX. Told them that made no sense because all I did was applied via the link on my account. It was clear to me it was an XXXX issue. She submitted inquiry to customer incentive team. 
XX/XX/XXXX : Phone call to follow up. Said the previous inquiry was denied because the offer code provided had expired. This rep said she found the " correct '' offer and submitted new inquiry with offer details ( no offer code ) XX/XX/XXXX : Phone with rep to follow up. Said the inquiry submitted on XX/XX/XXXX was denied with no reason provided. So she submitted another escalation. Told me to call again in 7-10 XXXX  days.

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: CITIBANK, N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: U.S. BANCORP
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for US Banks secured credit card which I understand requires a credit inquiry. I applied on XX/XX/2024. 

Application went into review and the next business day ( XX/XX/2024 ) US Bank ran another credit inquiry resulting in XXXX credit pulls for one application. 

Both inquiries were only processed on my XXXX credit file. This 2nd inquiry should be removed as I only have authorization once.

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 2024-02-04
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I was trying to get a mortgage on behalf of my son, and found out that my credit score was very low. I investigated, and discovered I had been a victim of identity theft. Three credit cards had been opened up in my name and without my consent and had accumulated over {$26000.00} in fraudulent charges. I immediatley called the three banks, and two of them, XXXX XXXX XXXX and XXXX XXXX  conducted a brief investigation with me on the phone and concluded the charges were in fact fraud, dropped the claim and removed the charges from my credit report. 

The third bank, XXXX XXXX, has refused to listed to my explanation that the charges were fraud and has assigned the claim to a collection agency. I have explained to them numerous times that the charges were fraudulent. I spent countless hours on the phone with them, sent them numerous letters and various pieces of evidence the charges weren't mine. I also filed an FTC report and filed a police report and sent them to XXXX. Additionally, I tried to explain that the credit card couldn't have been mine as it was linked to an address I vacated in XXXX and all the charges were linked to various stores in the XXXX XXXX area, where I haven't been since XXXX. XXXX XXXX  has consistenly refused to listen to my appeals and has been quite vicious and vindicative and refused to believe this was fraud. 

Enclosed are copies of a police report, an Identity Theft Report from the FTC, a copy of my ID, and our previous letters we sent to XXXX XXXX  outlining our position. 

We look forward to hearing from you shortly, and expect you to arrive at the same conclusion that these charges were fraudulent and this entire case be dropped. 

Thank you, 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 2024-02-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Saving account in Wellsfargo branch on XXXX as per the promotion code XXXX that I need to open the account and keep {$25000.00} for a month to get {$520.00} rewards. I opened with the associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent her email on XX/XX/XXXX about this didn't get any reply. Spoke to customer service XXXX on XX/XX/XXXX at XXXXXXXX XXXX he spent 15 minutes but unable to help due to unresponsive system.

I need my reward {$520.00} as promised

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2024-02-01
Company: P&B Capital Group, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collections account holder is PBCAPIGRP and the account number is XXXX. 

XXXX XXXX XXXX is filing for bankruptcy and yet they are still requesting money from me. They went with P & B collections and say that as of XX/XX/2022, I owed : {$1800.00}. 

I requested early on that I am not interested in their service and they did not contact me after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2024 I discovered online that my checking account was closed by Wells Fargo without me being notified of the planned account closure. I did receive a letter dated XXXX XXXX, 2024 on XXXX XXXX, 2024 notifying me that Wells Fargo had closed my account. I called Wells Fargo to inquire why my checking account was closed and discovered in speaking with their customer support person, XXXX, Wells Fargo, through their incompetence and neglect, had closed my checking account due to, according to XXXX, " the Patriot Act ''. XXXX went on to explain that Wells Fargo did not have the physical address on file for my wife who resides at the same address as I do and is joint owner of the checking account. XXXX admitted at the end of our call that it might be a " broken process at Wells Fargo '' that caused my checking account to be closed. Also, it is worth noting that I had gone to a Wells Fargo branch several weeks earlier in XXXX after receiving a letter from Wells Fargo to ensure that my physical address on the checking account was correct. The Wells Fargo branch manager, XXXX, who reviewed my checking account information repeatedly assured me that my checking account was up to date and that there would be no risk of my checking account being closed by Wells Fargo. After speaking to XXXX at Wells Fargo customer support I immediately went to the Wells Fargo branch and met with XXXX, the branch manager, who had assured me repeatedly that my checking account would not be closed. After reviewing my account and calling her internal contacts at Wells Fargo, she said that she could not do anything to stop the closure of my checking account and that the closure was " not my fault ''. She also stated that this was probably a breakdown of Wells Fargo process that caused my checking account to be closed. My checking account was closed after 25 years at Wells Fargo and never having my account overdrawn. 

I had to immediately set up and fund a new checking account at XXXX  XXXX XXXX to ensure timely payment of my bills. 
So far, Wells Fargo 's incompetence has cost me : {$140.00} for an automobile insurance policy that had to be paid with a credit card instead of the debit of my checking account as planned. 
{$15.00} XXXX XXXX XXXX ( XXXX  ) fee for an expedited ATM card for my new checking account at XXXX. 
I am requesting that Wells Fargo compensate me for any fees I incur associated with the closure of my checking account by 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 2024-01-23
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 Section 602 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't furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 


For the Month of XXXX and XXXX The amounts each month are {$560.00} Both are paid

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: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX used XXXX to transfer {$750.00} from my checking account at Wells Fargo to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using XXXX and again from my checking account at W.F. Wells Fargo debited my account, but XXXX did not transfer the funds to XXXX XXXX. When I check the transactions online in my W.F. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that XXXX has frozen the funds. At this point, the funds have been frozen for over three days. 

I called Wells Fargo FOUR TIMES today ( XXXX ; the online dept. ) to try to get this problem fixed, and got absolutely nothing accomplished! Two of the calls didnt even get past their IVR. On my second call, I talked to XXXX XXXX in XXXX, TX, but she refused to answer my question about why the funds were frozen. When I asked to speak with a supervisor, she disconnected the call. On my fourth call, I got an XXXX in the XXXX. I told her I wanted to speak with a supervisor in the U.S. She didnt connect me with a supervisor, but connected me with their second level support. I spoke with XXXX XXXX in Virginia. She also refused to explain why my funds were frozen, and kept trying to blame XXXX and/or the receiving financial institution ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA ) . She refused to do anything to fix the problem. When I asked to speak to her supervisor, or to give me the phone number for problem resolution at XXXX, she refused both requests and hung up on me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
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: Problem with rewards from credit card

Complaint:
Recently, Citi bank closed my credit card abruptly and without advantage notify me and I do anything wrong that violate the term of Citi bank. I found out that my credit card account were closed after transaction was declined at store and forfeit all my rewards with amount of XXXX .As Citi visa Costco reward, we can only redeem reward point once a year. I did try to write to Citi card, but in response letter, my earned reward during the year will be forfeit as result of their closing. I do not think these actions is correct ( closing my credit card + forfeit my EARNED reward ). Could you please help or advise me what and / or where I can do or go to get my EARNED reward for redemption. Please help

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: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise XXXX my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.

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: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Velocity Investments has continuously harassed with phone calls and flooded my mailbox with letters from different law firms. They have yet to provide proper documentation for proof of agreement with my wet signature or contractual agreement with this agency. The constant harassment has caused great stress to my health.

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 2024-02-02
Company: Westlake Services, LLC
State: GA
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:
Recently on XX/XX/XXXX I obtained my credit report before applying for a mortgage, I noticed that I had activity on my credit report going back all the way to XXXX from someone obtaining loans and 2 open car loans in my name through a company called " XXXX ''. I do not have possession nor any knowledge of these things. As I investigated further, I have numerous erroneous addresses that I have never lived that along with jobs I have never worked at listed below. 

XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Jobs I have never obtained : 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 2024-01-23
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
I paid off my mortgage held by XXXXXXXX XXXX in XXXX 
A company call Mr Cooper apparently bought XXXX XXXX and decided to keep my social security number and private info even though I 1. Had paid off my mortgage in XXXX and 2. Have never done business with Mr. Cooper ever. 
Mr. Cooper has now lost my information because they have been hacked. 
How long or if ever is Mr. Cooper as a legal Mortgage company allowed to keep my info?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
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 closed this complaint like all the others with a LIE and they know it

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: Fidelity National Information Services, Inc. (FNIS)
State: OH
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 noticed some strange stuff on my credit report when I checked it on XX/XX/XXXX. There are accounts I didn't authorize, and I'm starting to worry about identity theft. Just to clarify, I was in XXXX  from XXXX to XXXX, so I definitely didn't open any accounts with XXXX BANK during that period. I've also attached the FTC and XXXX  reports for your reference.

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