BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a keybank back in XXXXXXXX XXXX i had an employment check put through the account and they instantly marked it as fraud my company pulled the money out and deposited in a new account now through XXXX XXXX the fraud was then lifted in the beginning of XXXX with keybank now i went to make a seperate account on XXXX as a joint account, so now i have my own personal, and now joint account through XXXXXXXX XXXX and XXXXXXXX XXXX  is now freezing both my accounts because of the fraud with keybank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX 2023 I deposited two checks into a previously negative bank account, one directly from work and another through their app from school ( leftover loan money I received each term, and had deposited before ). Bank closes my account AFTER depositing both checks. Around a month later, maybe two, received a check for between $ XXXX, but I have a remaining XXXX still unreturned. Contacted bank numerous times, via phone, in person, and at original bank I opened account at ( at their request ). Still nothing, and no information.

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: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
To whom it may concern, My monthly note with Wells Fargo was set at {$630.00}. I paid Wells Fargo 4 payments {$2500.00} in advance in XXXX and wanted that money to go toward my principle note, instead Wells Fargo put that money toward my next 4 payments. I was was told I didn't owe a payment for the next 4 months, so I didn't make a payment for the next 4 months. I've been paying {$670.00} - {$700.00} every month since I purchased the vehicle. I received a letter stating that Wells Fargo had reversed my payment and put it toward the principal note and that I was 4 months behind on my payments. I then began receiving calls that my vehicle was up for repossession. I called Wells Fargo several times and asked them what does " reversing my payment '' mean. I never got a explanation. Tuesday XX/XX/XXXX I went outside to go to work and my truck was my gone. I called Wells Fargo and was treated like a criminal. They took my truck. I've been researching Wells Fargo 's history and found that in XXXX they were found guilty of several repo 's that shouldn't have taken place. 
Please help me ASAP. I'm not a bad guy!! 
Thanks in advance.

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 2024-01-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Citibank world elite card. I received advertisement for a 0 % balance transfer. I called and asked several times that if I paid off my balance then transferred another balance is it saying there will be zero interest on the new balance. I looked at my statement on XX/XX/XXXX only to find interest charges, one standard and one Pur not sure what the extra charge was for. I called and spoke with a manager from Kentucky location name XXXX employee number # XXXX. He said that even when I paid my balance in full because my balance was not paid in full in XXXX it carried over and I was being charged for XXXX balance. I was under the impression whatever balance is shown on your credit card and you pay it in full you avoid interest. That is how every card Ive ever owned operated. My credit card payment is due on XX/XX/2024 I paid off the entire balance on XX/XX/2024, I did a balance transfer that posted on XX/XX/2024 and two interest charges in the amount of XXXX} and XXXX  was charged on XX/XX/2024. They claimed it was nothing they could do the charges were valid. I feel robbed!

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: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Credit Acceptance Corporation received my application and it was deposited into their financial institution in which it is recorded as an asset for Credit Acceptance Corporation. The goods I purchased that day in good faith and exchanged my signature which is the estate property along with the identification number issued by the social security administration. The note gains interest monthly and has a payout date of maturity in 10 years or less. The note has been sold and has earned as of XX/XX/2024 just over XXXX XXXX dollars and this security is the estate property and the goods have been seized even though Credit Acceptance Corporation knowingly should have applied the equitable interest from my investment to the account for settling. I do believe Credit Acceptance Corporation has violated international commerce laws, security trading laws, and committed tax evasion.

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: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I mailed a certified letter to Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX asking to remove this inaccurate Bankruptcy information that's reporting on my consumer credit report. They have yet to respond or delete this from my credit report! No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Consumer Reports Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining BureauofConsumerFin.Prot., FairCreditReporting ; XXXX ( XXXX ) A consumer reporting company XXXX not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) unless it has reason to believe that the user has a permissible purpose with respect to the consumer about whom the report is requested. 
A users request to a consumer reporting company for a report about a consumer does not give the consumer reporting company a reason to believe that the user has a permissible purpose to obtain a consumer report about other consumers. 
FCRA section 15 USC 1681b ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under 15 USC 1681b and the purpose is certified in accordance with 15 USC 1681e by a prospective user of the report through a general or specific certification.

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: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the FCRA, I am now opting out of any and all authorization that I, as the consumer, may have given to XXXX written or verbal, PER 5 USC 6802.

15 USC 1681 Definitions ; rules of construction ( c ) The term consumer means an individual. ( d ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( 2 ) Exclusions. A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. THIS MEANS YOU NEED MY WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT. I DID NOT GIVE THIS AUTHORIZATION AND IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. ALSO SEE 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Accuracy & Fairness of credit reporting 15 USC 6801 Protection of nonpublic personal information 16 CFR 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION ; 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 USC 6802 says no disclosure unless given an opt out option. I was supposed to get an opt out option every 30 days and this didnt happen 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 explanation
Consumer complaint received 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without any prior notification, Bank of American abruptly reduced my business account credit line from XXXX to XXXX. Soon after, they yet again abruptly closed the account, and closed two credit cards that were not business credit cards. I asked them why and they forwarded me to the " XXXX XXXX '' department. I was told it was because the business account was closed first, and as regular practice they also close all other accounts. The representative refused to tell me why the business account had been closed.

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 2023-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The original issuer could not provide a reason for the charge in writing, which, according to the Federal Trade Commission 's website is required.I have now filed an identity theft report with IdentityTheft .gov and informed the debt collection company of this and they are still contacting me with hang up calls and letters indicating they are unable to validate my claim. I have sent them, and they did receive, a validation form in which I have declared that I do not owe the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In response to an offer from Citibank, on XX/XX/2024, I applied for the offer. When I input my information, I received a message stating that the offer was invalid. I then called XXXX, which is the number on the offer, and I was transferred immediately to XXXX XXXX. Last year, Amex sent a letter to my estate stating it was informed that I passed away and closed my account. I requested information from Amex via certified mail, regarding who stated that I passed away and to please provide the information. Amex did not respond to my letter but re-opened my account. This is the second creditor that sends a letter to my estate and it is very concerning to me and is causing me XXXX. I do not know who is providing this information and what they are trying to do. I am using this medium to receive a response from Citibank because Amex never responded to my certified letter. I just submitted a complaint about Amex so that I can receive a response from them as well.

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 2024-01-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I spoke with one of the XXXX representative, who gave me permission to pay my monthly bills earlier than the XXXX of each month. I followed her lead and paid my bills for each month earlier which one month I asked, can I pay for it could be for two months payment which she said yes. Afterwards, I started getting phone calls, messages and emails stating Im past due. Which call back and explain the problem confusion when paying my payment Laid up too double payment, with additional charge fees and interest. The manager refused to fix the problem with the split payments for each month. Then told me if I close my account that they stopped the interest fees and I can pay a lower amount. I feel violated because I still would have paid my bill but not the double amount because of their mistake. The company refused to comply with fixing the mistake that their representative made. I hold responsible for their mistake. So now my account is being closed to agree with their terms of 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
This inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the 3 credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks

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 2023-12-05
Company: Experian Information Solutions Inc.
State: LA
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:
15 USC 1681c-2 IMMEDIATE BLOCK AND DELETE OF FRAUDULENT and false personal information being reported. SEE ATTACHED. 
Ive made several requests to EXPERIAN, however they have failed to honor the process and continue reporting information they know is false, inaccurate and not related.

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

Complaint:
My personal information is not correct at all. I have filed a FTC report for Identity theft and would like this information to be removed from all 3 credit agencies. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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: MI
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 am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX. I contacted Experian, XXXX, and XXXX several of times to address this issue, which involves an account displaying incorrect information. 

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation. 

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing.

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question. 

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA.

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report.

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.

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: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( TRUEACCORD XXXX XXXX XXXX, XXXX XXXX, XXXX KS XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection and or update the following accounts and paid, never late.

ACCOUNT : 1555 ORIGINAL CREDITOR SPRINT Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )

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