BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I recently opened a savings account and shortly thereafter attempted to go online and open a checking account with US Bank. I received a written notice that they were unable to establish a new checking account on line and that it was declined, so therefore I went into one of the branches and the lady there at the desk opened a checking account for me. 

A few weeks later I soon learned that US Bank had completed a hard inquiry on my credit report. 

I NEVER GAVE THEM AUTHORIZATION TO DO A CREDIT CHECK, NOR WAS I INFORMED THAT THEY WOULD BE DOING A CREDIT CHECK. 

IF I HAD BEEN INFORMED OF THIS I WOULD HAVE NEVER OPENED EITHER ACCOUNT. 

NO ONE HAD THE RIGHT TO PULL A CREDIT REPORT WITH OUT YOUR KNOWDLEGE OR YOUR CONSENT. 

I GAVE NO CONSENT AND HAD NO KNOWLEDGLE OF THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I tried to send money from my checking account to my savings account. I accidentally sent the money to the credit card. Meaning I made a payment of {$1000.00} accidentally. I immediately called and told them that it was a mistake and they said they would refund it but it may take up to 90 days. After over a month I went into the bank for an update and realized they had lowered my line of credit by {$1100.00} on XX/XX/XXXX and they said that since returning the {$1000.00} would put me over my credit limit that they would not be refunding my money. I believe that because I called and told them it was a mistake and the fact that they told me they would refund it that I was wronged. They lowered my line of credit the very next day so they would not have to pay me back.

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 2024-02-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Over the course of a few months I called four different times giving information and inquiring on the status of my account. I do not have specific days that I made the phone calls but I did fax 3 different letters stating that there was a data breach that contained my information. Today is the the fourth time I called inquiring on the status of the credit card/account that I did not open at all was closed and they are still doing a investigation. I strongly feel that they will not help me close the account and it is beyond frustrating and is effecting my credit due to a balance that was placed on the credit card.

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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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 was in the process of getting a mortgage in XX/XX/2023 when we discovered a charged-off account listed on my XXXX credit report, as well as a collection for said account. I started a dispute on the credit card account through XXXX as well as contacted Bank of America to get verification that the account was not mine. After XXXX phone calls with Bank of America , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas  address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through Bank of America , as well as a collection on my XXXX report that is affecting my credit adversely. XXXX did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at Bank of America did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was bought and sold illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # 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 2024-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) 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 2023-11-04
Company: EQUIFAX, INC.
State: MD
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a loan out with Credit acceptance and I'm struggling to pay it due to financial hardship and being g on fixed income. I am paying almost XXXX dollars for a car that cost XXXX and I feel like that is way to much money for the car I got. I can't afford this. I have had to take out loans and borrow money too fix the problems thus car keeps giving me I'm in debt over this car. I feel I'm being charged way to much for this car. I should have been done paying g on this car but no I still have XXXX XXXX to go amd have paid XXXX it's been a real bad experience for me getting this car and 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
Consumer complaint received 2024-02-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have come across numerous instances where my venders have not received my payment though it is paid out of my account. On XX/XX/XXXX, I received a message from Regions that a payment I sent in XXXX of XXXX had not been cashed and it was refunded. 
It doesnt seem legal that you are debiting my account for a payment that has not cleared. It creates confusion when my venders question why I havent paid them and your records imply that I have. It also does not seem legal that you charge me for an overdraft on a check that has not cleared. You are using my funds and charging me fees for payments that have not cleared. 
I opened my personal account in XXXX and my business account in XXXX at XXXX XXXX, where I was employed, which through multiple merges is now Regions Bank. I have been an extremely loyal customer for over 40 years but in the past several years, I have asked myself why on multiple occasions. It is not your problem, but business is difficult enough in this economy and you are a liability.

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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
These two accounts appear on my XXXX Report and they do not belong to me. 

XXXX Bank of America - XXXX account opened XX/XX/23 current balance {$2000.00} - XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/XXXX XXXX balance {$2400.00} there are also two addresses on the report that do not belong 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 non-monetary relief
Consumer complaint received 2024-01-30
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Financial Services Accounts Team , Inc attempting to collect a debt in the amount of {$5000.00} on behalf of XXXX XXXX XXXX. The letter stated the company accepts disputes electronically at XXXX and I must reply by XX/XX/XXXX. 

On XX/XX/XXXX I sent a dispute email to XXXX. I disputed the debt and advised the agency I was working with a paralegal with XXXX XXXX XXXX XXXX and he had forwarded my case to an attorney prior to the alleged debt being sent to their office. 

On XX/XX/XXXX I received a notification from the CRA that the Financial Accounts Service Team , Inc. added the debt of {$5000.00} to my credit file. 

On XX/XX/XXXX I sent a letter via email requesting the company remove their negative mark from my credit file and that I am reporting them for violating my rights under the CFPB, FDCPA, and FTC.

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

Complaint:
I was charged interest after I paid by balance in full XXXX day prior to the end of the billing cycle. The interest charged was XXXX on a balance of XXXX. When I paid my balance in full, I paid it on XX/XX/XXXX. My due date ( end of billing cycle ) is XX/XX/XXXX. I selected " pay balance in full ''. On XX/XX/XXXX, Citibank charged me XXXX in interest in the amount above. This makes no sense. I called to find out why. The explanation was that I did not pay the balance in full prior to the end of the billing cycle, and the interest accrued between that time and the end of the billing cycle. They said they allow this to happen " in the event I need to make more purchases. '' This also makes no sense. 

I did not understand the man 's explanation, but he was adamant this was how they did things. I told him it sounded more like a pre-payment penalty which is illegal in Washington, or Citibank just wanted to make money off of people. 

According to the XXXX statement, the balance I paid had accrued interest of XXXX. If the XXXX is the interest the balance accrues between the previous statement and the billing date ( XXXX ), Citibank must update their computer records to show this, so that when people go into pay their bill, the amount accurately includes interest. 

This is the third time this has happened with Citibank. There does not seem to be a way to completely pay off a balance with this company as they send you another bill for interest. For all I know, interest will accrue on the interest, and they could continue sending me bills? How will I ever know when I have a XXXX balance?

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: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company posted this debt to my Consumer Report without letting me know that they bought the debt, or that I allegedly owed the debt. Therefore, it should be deleted due to its standing invalidity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: VA
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 sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XXXX of 2022 I requested a payoff from my bank of America credit card account of which the bank told me the amount I in turn send the information to the company that was handling the payoff the company in turn send the check to bank of America i am not sure how the transaction was handle all I was told the money was sent to the bank for the payoff bank of America without contact me about the payment and sent my name to XXXX credit bureau that I was late in XXXX & XXXX of 2022 I disputed it several times with the credit bureau and all the time they came back with the same dispute # that it has been verified I call the bank on several occasions and to be told that the department does not speak to anyone I am very frustrated as I have nowhere to turn to for help I have been a loyal customer with this bank of America for over 40 years and this is the way that I have been treated i hope that I can get your help in removing this late report from my XXXX credit file thanks 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 2024-01-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XXXX sent and was returned to me. XXXX sent and stated that they werent the one who sent it XXXX. Calling from different phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank-Care Credit XXXX on a payment plan XXXX XXXX amount still owed but different amounts are sent by mail XXXX taken, is in questioning because of different numbers calling but I respond every time

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I disputed 4 XXXX accounts for verification several times via Trans Union website. The results were not mailed to me and the account still remain on my report. THE ACCOUNTS ARE BEING REPORTED AS OPEN. COLLECTION ACCOUNTS ARE NOT OPEN THUS HURTING MY CHARACTER. The continual reporting of these blatant errors directly violate FCRA guidelines. There are multiple errors besides being reported as open. I question their process and will be seeking legal compensation for the continual reporting errors. I attached photos of each account being reported as open under account type. Also attached all 4 dispute letters which I never received any information on.

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 2024-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Wells Fargo bank account on XX/XX/XXXX, had my XXXX XXXX  transfer on mobile apps, XXXX dollars. The same day I canceled that transaction. Through XXXX XXXX. On XX/XX/XXXX, XXXX Bank didnt stop the transfer and got the XXXX dollars from my account. On XXXX Called Wells Fargo, was told the money would be returned in 2-3 days.on XXXX spoke to a man called XXXX and he gave me a claim number, as I found out that claim never existedXXXX a new claim filed. I have a claims rep, who said my money was missing, it was layed up somewhere I forgot. As of today numouse phones calls looking for my money, told many different things. Wells Fargo gave me a ACH tracking number, she asked me to XXXX  XXXX  to see if they could track the number. As of today Calling XXXX  they can not find any tracking number of the sort. And again since this started was told no refund coming into XXXX XXXX. I have called and called XXXX at Wells Fargo all I get is the back office sent it to XXXX XXXX. On XX/XX/XXXX Wells Fargo had put in XXXX, into my Wells Fargo Account. If you can believe this, 2 hours later it was gone out of my Wells Fargo Account. To this day Wells Fargo has given me a hard time, Ive pleaded with XXXX cried in years looking for my money to be returned. Theyve taken my money 3 times away from me. 1 from XXXX XXXX, 3 from the Wells Fargo bank account. I have no money, at all at this point. This XXXX XXXX From Wells Fargo, and the bank manager spoke today, verifying no money came in from Wells Fargo. I feel this is theft at this point. Im ready to file a police report. On Wells Fargo Bank. I feel this point they should be giving me my original money, extra for the hardship its causing me. They provide me with XXXX for all this. At this point they should be paying me more. I need XXXX  XXXX, had to get to that done, my cars broken have no money to get it fixed. Theres no food nothing in my home. Nothing. I told XXXX XXXX at XXXX Bank that they have me broken physically and emotionally. I suffer with XXXX XXXX since XXXX. This is making me needing to go to XXXX XXXX  To get help I am in crisis, and Wells Fargo just dont care. I need money. Please help me. I have spent days and hours with the bank manager  at XXXX XXXX  helping me since XX/XX/XXXX, we have spent hours dealing with Well Fargo bank. As of today XXXX XXXX  told me they dont know what kind of game they are playing, but this matter is cut and dry. They told me it looks like Im taking a loss of XXXX dollars. 
Thank you 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 2024-02-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2023 I have noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. I do not recognize any of these inquires and I am unsure why they are there.

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