BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: QuickClick Loans of Illinois, LLC
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Last year while I was in between homes I took out a title loan with EasyDollarLoans XXXX XXXX XXXX XXXX in XXXX using my car title that I owned free and clear and paid XXXX for. The loan was for {$2500.00}. I no longer can see my loan documents because they disconnected my loan from the online account when they repossessed my car from my residence in XXXX, NY on XX/XX/XXXX. XXXX XXXXXXXX XXXX  XXXX came to my new address and took my car and its in XXXX, NY. I have attached my XXXX letter from my doctor and I am currently in XXXX XXXX XXXX XXXX  and suddenly not having my car has drastically affected my XXXX and my ability to make money. I have never received any notice stating that they were taking my car or offered a workout agreement. I received a notice of repossession by mail after my car was taken. I didnt know I had the option to lower my payments or renegotiate my loan terms. XXXX XXXX from XXXX XXXX XXXX emailed me on XX/XX/XXXX and we discussed me trying to make payment. I never received any notice after that exchange with her via email. I have been in college full time and I am self employed doing deliveries. I was going to use my next tuition refund and tax return to pay the total of {$3300.00} I was told I owed when I called in XX/XX/XXXX. When I spoke with XXXX from XXXX on XX/XX/XXXX she told me yes they took my car and that I needed to pay {$6900.00} in 15 days or my car would be sold at the auction. She wouldnt negotiate anything and she wouldnt email me my loan documents or give me access to the online account. They were extremely vague about when the car was sold in the letter stating that it would be sold sometime after XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17
Company: U.S. BANCORP
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:
Subject : Request for Resolution Regarding Reporting of Canceled Debt and Form 1099-C Dear ELAN FINANCIAL SERVICE , I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As governed by the Internal Revenue Code ( IRC ) Section 6050P, I, XXXX XXXX XXXX XXXX, had explicitly requested the issuance of Form 1099-C for the charged-off account.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. Despite this request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation.

It has come to my attention that, by law and per the IRS, once a debt has been canceled, and a Form 1099-C has been issued, the credit report should no longer show a remaining balance due. The status of the account should be updated to reflect that it is no longer in a charged-off status, indicating that the debt has been canceled or resolved.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite my clear request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. The reporting inaccuracies have the potential to impact my ability to accurately report canceled debt on my income tax return. As of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. If further details or clarification are needed, please feel free to contact me at XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, SSN : XXXX, XXXX : XX/XX/year>, XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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 about XXXX of XXXX  I was renting a car. When I returned the car, they double charged me for XXXX week. I had no overdraft protection on my checking account with XXXX XXXX XXXXXXXX, so they should have not paid the second payment but they did anyway. I then disputed it but they refused to reverse the payment. They then insisted I pay this double payment even though I showed them proof it was unapproved and not valid. So they closed my account- which I can understand- but they then reported me for " account abuse '' to Chex Systems and I haven't been able to get a bank account since. Since I work from home, this has caused me a huge problem in finding work if I can't get a checking account to receive money online through. I couldn't even figure out where this was coming from until finally someone told me to check with Chex Systems as this " account abuse '' wasn't showing up on my regular credit reports.

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: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Subject : Urgent Resolution Needed for Truist Account Issue Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention a pressing issue I have been facing with Truist Bank regarding my closed account, and I am seeking your assistance in resolving this matter promptly. 

Account Details : - Account Closed : XXXX XXXX XXXX  - Account Number : XXXX - Department : XXXX XXXX XXXX - Note left on XXXX XXXX XXXX   : " I can take {$100.00} out on this date ... '' Despite the closure of my account, I have encountered significant challenges in accessing the funds associated with it. I initiated a transaction from my business account at XXXX  XXXX XXXX to my Truist account via XXXX. Regrettably, Truist has stated that they are holding the funds under the pretext of verifying the transaction to ensure it is not fraudulent. 

The transaction in question, involving the movement of funds from my business account at XXXX  XXXX XXXX to my closed Truist account, has already been settled and remains unchallenged. The nature of the transaction was an internal transfer from myself to myself, with no external parties involved. Despite this, I find myself entangled in a prolonged verification process, and I am unable to access my funds. 

I have been patiently waiting for a resolution, but the delay has become untenable. I kindly request your intervention in expediting the resolution of this matter. I am eager to visit the branch and retrieve my funds immediately. 

I appreciate your attention to this matter and your assistance in facilitating a prompt resolution. Thank you for your time and consideration. 

Sincerely, 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: Waypoint Resource Group, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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


I have requested proof of these accounts with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXX they could not find any information on the card but its still reporting on my credit report.

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: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company, U.S. Bank, has a terribly outdated website which makes it both difficult and deceptive when attempting to pay greater than the required minimum amount. Setting up an autopay series wipes all pre-existing information ( such as funding accounts ) which creates an artificial challenge. Furthermore, the navigation of auto-payments is clunky and inaccurate, adding to the difficult. Lastly, the webpage 's own instructions on " viewing and managing recurring payments '' is inaccurate when following their instructions. I find the website to be intentionally deceitful in an effort to stop the users from paying beyond minimum payments, thus limiting my ability to pay down additional principal.

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: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Subject : Complaint Against Wilshire Financial for Predatory Lending Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Loan Star Title/Wellshire Financial Services on behalf of XXXX XXXX XXXX On XX/XX/2023, XXXX XXXX unknowingly entered into a predatory lending contract with the company, which has led to unfair and deceptive practices that violate her rights as a consumer. 
Loan Star Title/Wellshire Financial has violated Section 83.501 Maximum Interest Charge XXXX XXXX Code 342.01 ( a ) and Finance Code Chapter 302, which state that the maximum rate or amount of interest is 10 % per year. They have also violated Texas usury protection laws, as the Texas Constitution prohibits lenders from charging more than 10 percent interest ( Article 16, Section 11 ). Contracts without a rate of interest agreed upon should not exceed 6 %, and this section also limits interest rates on judgments to 18 %. 
This company has over 100 complaints regarding predatory lending and unfair deceptive practices. During our investigation, we found numerous consumer reports stating that the company is preying on the vulnerability of consumers in need, asking intrusive questions about their circumstances to exploit their desperation. In In XXXX XXXX case, they are charging her an interest rate of 320.4627 %, which is illegal according to Texas lending laws and the Texas Constitution. 
This predatory interest rate sets consumers up for failure, as many Americans are already struggling financially. With no hope for repayment and no hope for the consumer to ever retrieve their vehicle, we believe that this company is acting maliciously and causing harm. 
We are prepared to pursue a class-action lawsuit if the matters stated in this complaint are not addressed. As XXXX XXXX was coerced into signing an illegal contract and the company has forged consumer signatures on documents, this We have included the attorney generals office and the lenders association in this complaint. We do not seek to harm or defame the character or business practices of Wellshire Financial. Instead, we demand that all monies given be returned to XXXX XXXX 
XXXX, the predatory agreement be canceled, XXXX XXXX be compensated for damages and awarded {$10000.00}, and the title be returned. We also request proof of ownership of how the company obtained the loan, the actual cash value of the loan, and records of legal tender. 
We await your response and look forward to reaching a settlement agreement that resolves the issues outlined in this complaint. 


Attatched Below is the complete complaint for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi card closed my account because it went over the limit due to interest charges in excess of {$24.00}. I have always made my payments on time except for the month of XX/XX/, and still continue to make payments on time despite account being closed without any reason or notices. 
I called Citi Card to ask for reason why the account was closed due to it saying closed by Creditor and they said I needed to call the credit bureau. I called Credit Bureau and they told me Citi Card closed the account, and all I can do with them is create a dispute for this action. I received a notice from XXXX that stated that the account was closed due to reaching limit but never made a late payment.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently got out of an XXXX XXXX. I was awarded the Bank of America accounts in the settlement. His name needs to be removed. I have attempted this numerous times. They insist that we both have to be there to remove him. But I will not be around him anymore due to his XXXX. I finally got them to send the paperwork to each of us to sign. It was notarized and sent it back. They claim it was done incorrectly. So round two of the same paperwork was sent in, but no changes yet. I was also told that I needed my ex 's approval to change my name on the account, even though it clearly states me reverting to my maiden name in the final decree. This is unacceptable.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM UNABLE TO OBTAIN A LOAN FROM XXXX HOTELS DUE TO POOR CREDIT RATING. I HAVE NO DEBTS AND AN EXCELLENT CREDIT RATING.

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 2024-02-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I receive a defect product ( {$220.00}, motherboard ) from XXXX. I win dispute in XXXX for full refund and seller pay return postage. I find the return postage is $ XXXX and seller does not agree to pay ( Attach : XXXX ) Aliexpress.com dispute resolution requires refund after product received by seller within limited time. If seller not wants pay, I can pay in advance but will pay back by coupon which only can use in XXXX but I do not want to buy anything from liexpress.com. 
( Attach : XXXX ) By fore see this situation I call credit card for dispute. After wait XXXX weeks I did not receive letter ask support document. I call in ask why? Answer ask me just wait and see. 
The credit card transaction date show XX/XX/XXXX. Due to previous experience I Email support documents at XX/XX/XXXX and through secure message then response Email again on XX/XX/XXXX. ( Attach : XXXX ) later XX/XX/XXXX. Note : same documents will contain new info along the date accordingly. 

I keep work on XXXX. They agree refund me without return product but the fund is locked. They ask me withdraw credit dispute give them formal letter from credit card saying credit card dispute have withdrawn. I did not withdraw due to I am sure defect product 100 % can get money back. I do not know what happen after withdraw. 
( Attach : XXXX ) But I get credit card dispute failed letter. I do not understand but find reason for dispute code. XXXX XXXX it find the code is for fraud. First time I call Citibank dispute center get ignored then I call again emphasize the correct code should be defect product. The case reopened in XX/XX/XXXX. It is past XXXX month. 
( Attach : How_I_find_code_error.pdf, XXXX ) The key failures are fake up dispute is fraud without ask, fail to read what my submitted in XXXX and unwilling take responsibility after find mistake. Those are management problems. 

After that, I keep try help Citibank get money from seller. In my view let bad seller get money is the worst. You can find detail in ( aXXXX XXXX XXXX. Now Citibank last my wining case. ( attach : The_last_letter_fromcitibank.pdf ) Please help me. 
Note : This case I was submit to FDIC then FDIC told me here is right place. You may receive same case from FDIC. Just use this one.

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 2024-01-29
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:
On XX/XX/XXXX, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day 31-90 ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/XXXX and have maintained this balance through XX/XX/XXXX. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements. 

On XX/XX/XXXX, Bank of America had indicated that the promotion code that was auto applied was expired and therefore not valid. The promotion code was auto-populated when I've applied for a new business checking account through the special offers section of my Bank of America dashboard XXXX I've attached a photo that shows the promotion on my desktop when opened as well as the date of XX/XX/XXXX. The invalid code auto-populating seems to be an issue with B of A IT and shouldn't be the customer 's problem as I've applied for a promotion through a valid link and have fulfilled all of the terms.

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