BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the following inquiries are listed on my account i did not give my permission to these companies to access my credit profile on these 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

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 2024-01-26
Company: U.S. BANCORP
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 ELAN FINANCIAL SERVICES has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
CREDIT ACCEPTANCE I went in to buy a used car that was XXXX. The car I was intending to buy was a XXXX XXXX. I was waiting to pick up the car paperwork all complete and last minute they said they sold the car to someone in the lobby. After I had been there and waiting to get my car i was approved for and waiting on. Mind you this after they took my car for down-payment so I no loner had a car. I had a XXXX XXXX XXXX they gave me XXXX trade in after saying it would be XXXX. They sold me a XXXX XXXX they told me it would come out to about the same price. They sneakily and fraudulently stuck me into a car wel over my budget. I explained to them I didn't have perfect credit. I got charged for warranties I NEVER signed for. I left the dealership at XXXXXXXX XXXX with a XXXX XXXX loan they knew I could not afford. And was told my interest was XXXX XXXX  and just found out they are charging me 21.9 percent. The car was listed for XXXX ( FOR LOW MILES ) I put my car up as down payment and then they told me I would need another XXXX cash to cover he down payment. I paid the cash. Right now the loan is XXXX total. This is fraud please help me The XXXX miles were reset by dealership. Was on dash when bought XXXX miles. ACTUAL MILES XXXX WAS ON THE LOAN AGGREMENT THAT WAS FINALLY SENT TO 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 2024-02-01
Company: BARCLAYS BANK DELAWARE
State: OH
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:
I had a hard inquiry on my credit report on XXXX XXXX XXXX  The inquiry was from Barclay 's Bank Delaware. Location : XXXX XXXX XXXX XXXXXXXX, DE XXXX. The inquiry type was individual. I attempted to call several different phone numbers listed on the Barclay 's website on XXXX XXXX XXXX I was unable to get any support or speak to a representative because the automated service requested my account or credit card number. I have neither, because I do not have an account with Barclay 's. 

I have frozen my credit. I also called 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 2024-01-29
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with XXXX about a debt from XXXX XXXX on my credit report and the debt remains.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of this year my savings account was erroneously debited {$990.00}. I submitted a complaint to one of the branch and was credited back the funds. Yesterday, I received a letter from the credit union stating that an Investigation was done and the charge would be reinstated. I believe that a properly conducted Investigation have proven that I did not debited those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Complaint Against Wells Fargo XXXX XXXX XXXX XXXX XXXX, IA XXXX and XXXX XXXX XXXX XXXX Plaintiff attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX for Violation of RPAPL Section 1304 in Foreclosure Case ( Index No. XXXX ) Dear CFPB, I am writing to file a formal complaint against Wells Fargo and XXXX & XXXX XXXX XXXX related to the foreclosure action against me, XXXX XXXX XXXX under case index number XXXX. This complaint specifically addresses the plaintiffs failure to comply with RPAPL Section 1304, which mandates a 90-day notice before commencing foreclosure proceedings. 

RPAPL Section 1304 requires lenders to provide borrowers with a 90-day notice as a prerequisite to foreclosure. In my case, Wells Fargo and their attorneys has neither mailed the required notice nor provided proof of such mailing to the court. This omission constitutes a significant procedural violation and undermines the legal validity of the foreclosure process. 

As a result of this failure, the foreclosure auction scheduled for XX/XX/, should be deemed unlawful and therefore canceled. I request that the CFPB investigate this matter thoroughly and ensure that Wells Fargo and their attorneys is held accountable for their non-compliance with the statutory requirements. 

Thank you for your attention to this critical issue. I look forward to your prompt response and intervention. 

Sincerely, 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 2023-12-09
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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: U.S. BANCORP
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Us bank has locked me out of my account, repeatedly lied to me and even employees have hung up in my face ( XXXX ) supervisor fraud and dispute division after having me on hold for over a hour. They attribute me lock out to me changing my phone number on the account but thats complete XXXX! My account has been locked since Thursday the XXXX XXXX XXXX and no change has occurred. I havent been able to eat, buy any food, get transportation or even feel comfortable and its effecting my sleep because Im filled with XXXX, I am very very upset and angry at US Bank for basically stealing my money and not doing anything to help me! This is so XXXX annoying and Im over it with US BANK, I have called everyday and nothing has happened. This is so XXXX for them to be able to just lock me out of my XXXX account where us bank is taking no risk on my secured card I put my own money on that card so I WANT MY ACCOUNT UNLCOKED AND IM MOST LIKELY GOING TO CLOSE THE ACCOUNT BECAUSE THIS XXXX IS ILLEGAL! I literally cant even buy XXXX food and Im starving because some XXXX at US bank decided to put a lock on my account and now I have to wait for a call back to make sure I made the changed on my account thats completely ridiculous and I extremely upset US BANK CALL ME IMMEDIATELY AND UNLOCK MY XXXX ACCOUNT!

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 2024-02-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I reported That i have tried to cancel a subscription from XXXX but they are not cancelling it, and they continue to illegally charge my credit card. they have been charging me since XXXX XXXX  monthly and i have not logged in or used their services because I did not need their services. Even after i told them through the dispute with my credit card, they still have not cancelled the subscription and refund me the charges dating all the way back to XX/XX/year>. I decided to do a research on XXXX and all the reviews on the XXXX XXXX XXXXXXXX XXXX website and other sites complains mostly about their cancellation difficulties. I need either Barclays bank or XXXX to refund my money from XX/XX/year> all the way to date and cancel the subscription. We are poor people trying to make a living, we should be taken advantage of.

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: 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 Account Number : XXXX 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 2024-01-20
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I purchased a certificate of deposit with Citibank which matured in XX/XX/2023. They told me multiple times my check has been issued. I've also contacted them for more than XXXX times. No representative really understands my issue and they just kept telling me they will escalate the issue or the check will be received by certain dates. It has passed their promised due dates a couple of times but I still have not received my fund.

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: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm writing to dispute some information that I think was obtained through identity theft on my credit report. I would like to make it clear that this letter and the supporting documents that are attached are truly from me, and I certify that the materials are authentic. 

I understand how important it is to give precise information when challenging issues on my credit record and how serious the situation is. As a result, I would like to verify both my identity and the authenticity of the documents I am sending for your consideration. 

In addition, I contest the following credit report accounts that I think are the product of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I ask that you look into these accounts right now and take the appropriate action to correct the errors on my credit report. Additionally, as required by law, I politely request that you keep me informed on the developments of your investigation. 

I sincerely tell you that the information contained in this letter and the documents it is attached with is accurate, and I accept full responsibility for it. I value your quick response to this issue and your help in figuring out this identity theft situation.

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: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX my credit card was charged {$680.00}. This transaction was fraudulent and wrongfully charged. It was supposed to be {$68.00}. I had submitted a dispute with the Citi, and indicated that the merchant for which wrongfully charged me was not willing to refund me, or in this case Citi. Therefore, Citi would not honor the dispute and favored the merchant. The dispute was closed on XX/XX/XXXX, and when I contacted them a second time about it, they reopened the dispute and attempted again but ending in the same result as of XX/XX/XXXX. I have since contacted Citi about closing my account because I do not feel as a reliable customer I am protected from fraudulent charges. They mentioned being willing to credit me some if I do not close the account. It is frustrating and wrong that they are willing to credit me " some '' amount if I do not close the account ; rather than honor my dispute in the first place. I am in contact with them about this credit to which they are now saying they will not provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an XXXX citizen and had an account with SunTrust. I had no problem with SunTrust. Unfortunately Truist took it over. Now I can't make any XXXX payments. Bank has not bothered to inform me about this. I have contacted them several times but the issue has not been fixed.

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: TN
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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:
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 XXXX Account Number : XXXX Account Name : WEBBNK/FHUT Account Number : XXXX Account Name : XXXX 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 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
My husband and I called and spoke with several loan account specialists on XXXX before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.

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