BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
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:
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  Account Names # 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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 2024-01-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
golden one bank has fraud accounts under my name they need to be investigated and whipe and clear out the system

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 2023-09-14
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:
I recently checked my credit report and notice incorrections on my report that were not mine. 
the credit bureau did not remove the information that was not mine.

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 2024-01-25
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Rausch Sturm LLP
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/24 Received some sort of communication regarding a debt that just shows a reference number, partial account number, an amount of XXXX. No information pertaining to what this debt is regarding and no information on the original creditor.

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 2023-12-02
Company: EQUIFAX, INC.
State: AL
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:
As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. XXXX, Equifax, XXXX are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/year>, I applied and was approved for a Citi AAdvantage Platinum Select Card. 
I was given a Temporary Card Number that did not work on online transactions, and I was not able to add the card to my XXXX XXXX. 
On XX/XX/year>, I received an email that said I will receive the card by XX/XX/year>. 
called Citi at the end of the day on XX/XX/year> and asked whether the card was shipped after I was approved and they said no. I requested a replacement and they refused expedited shipping, stating it will arrive in another 7-10 business days. 
I signed up for this card expecting time to make the necessary spend required for the AAdvantage miles sign up bonus. Now, it will be approximately ONE MONTH after getting approved for the card without any means to use it in order to meet the minimum spend requirement for the sign up bonus. 
Citi is not meeting their obligation to give me the credit I was approved for, and engaging in predatory practices by keeping the sign up bonus ( the incentive for why I applied for the card ) out of reach and refuses to take any action to remedy the card not arriving timely. 
I'm extremely disappointed with Citi 's service, lack of acknowledgement for the issue, lack of responsibilities to meet their own promise to customers for their products..

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: FC HoldCo LLC
State: MO
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 am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible 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 explanation
Consumer complaint received 2024-01-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Amzn/synchrony bank made me apply for a credit card and forcing a debit offer on me when I did a consumer transactions for a credit card not a debit I called they proceed to pass me around for XXXX hours on a device an I'm XXXX and has a XXXX shortly there after from the stress I don't know if this the right place to talk to but the laws say they can not Provide you credit on terms different from those granted another person with similar income, credit history, and other characteristics. So do they switch every ones consumer transaction to whatever they want and still report on your report as a hard inquiry? My consumer transaction was for the XXXX XXXXXXXX of the Amazon store card not Amazon secure store card seeming to be a new trend cfpb needs to glue eyes to where do I go for help? Is this just going to be complaint?

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: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a citi checking account in last year over phone after seeing an sign-up bonus for their checking account of XXXX dollars if I were to deposit {$10000.00} dollars within first 30 days and hold it in the account for the next 60 days. After I fulfilled the condition ( putting in {$10000.00} dollars and holding it in my account for more than 60 days after the first 30 days, I called Citi asking if the condition has indeed been fulfilled. The rep answered in the affirmative and that I can withdraw the cash now the condition has been fulfilled, he explained that I am not seeing the sign up bonus probably due to the fact that I perhaps have a missing form ( I can not recall what form it is ) and that I will be sent it through mail. It has been more than 2 months after that interaction and I still have not received my XXXX dollars of sign up bonus, nor have I received the form. And Citi has removed mentions of the sign up bonus from its website.

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 2024-01-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/XXXX I applied for a Wells Fargo Active Cash Visa card. I am XXXX years old and I do not recall ever being late on a payment my whole life and normally I pay all credit card balances in full each month on or before the due date. I have over a 800 credit score and I have about 5 active credit cards, all of which will vouch for my credit history. I do not have a mortgage on my home so debt ratios are not a factor. 
Wells Fargo about two weeks later, sent me an email asking me to provide W2 's and I presumed this was due to age discrimination since they clearly could determine by my credit report that my credit score is over 800 and there had never been any late payments or defaults. I called Wells Fargo and informed them I wished to withdraw my credit application as I was not going to submit W2 's due to my credit score and record. I was concerned about impacting my flawless credit and thus the reason for the withdrawal request. Wells Fargo would not give me an answer over the phone. 
ON XX/XX/XXXX, I received a denial of credit notice from Wells Fargo. I replied back via email and the message bounced back. I then called Wells Fargo and told them I was going to file a complaint with the CFPB and the OCC. They said they would get back to me and I have not heard back. This is clearly age discrimination and their refusal to not allow me to withdraw my application will impact my impeccable credit history. The simple solution is to allow my credit application to be withdrawn and this problem goes away but Wells Fargo chose to force me to file complaints with both the OCC and the CFPB. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Nv 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 2023-12-28
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SYNCB/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Sent to this collection agency, In the amount of {$900.00}

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 2024-01-22
Company: EGL US, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bmg money if reporting an account as delinquent even thought its been paid in full. Please DELETE account. Do not update. I have the promissory note stamped paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: FC HoldCo LLC
State: IL
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 Told them i did not know where this inquies come from and could they take it off my credited report. they said i would have to call the company tha pulled it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have worked for the XXXX XXXX XXXXXXXX  for over XXXX  years I have submitted the required payment to my servicer Mohels a total of 5 times and my student loans have not been discard as the rules state inn the presidents plan for loan forgiveness I don't understand if they have the required information have reviewed it and on their website they state I have stop working for my employer on XX/XX/2023 and I presently still with the XXXX XXXX XXXXXXXX  going on my XXXX year.

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: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the new XXXX plan in XXXX of XXXX. My new payment did not show up on my account for well past my first due date of XXXXXXXX. When I got the updated bill it was not sent to me with XXXX weeks notice although it was back dated to make it look like I had received it earlier. I then received correspondence saying my XXXX plan was approved and my new payment was {$290.00} due XX/XX/2023. However my account still showed my old payment of {$360.00}. 

I sent several secure messages during the time that went unanswered for weeks. I finally called XX/XX/2023 and waited on hold for over an hour before I spoke with a rep, XXXX. She initially said my XXXX plan payment was due on XXXX. But my old payment was still due in XXXX. I asked her to investigate this because thay made no sense when I had applied for the new payment plan in XXXX. 

After a few minutes she came back on the line to let me know that they will put my account in a admin forbearance at this time and my first payment will not be until XX/XX/2023. However my account now shows my new payment due but my account is overdue for my original amount. I have once again sent several secure messages without response. 

My account is accruing interest even though this should not happen while on the XXXX plan. I do not want my credit report effected due to the error in processing my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am able to gain access back into my accounts. Wells Fargo has allowed my account to taken over and didnt inform me of the criminal activity. I noticed when I was waiting on a check for an unauthorized transaction and product back in XXXX  that I didnt request nor ask for for XXXX  fraud services. I was billed, ignored many times and begging for some compassion for selling product to me that was brutally structured and locked into with no way out. Its unfair to the customers who are not XXXX  XXXX or anything except XXXX  Peoples. Im XXXX XXXX and I truly believe this why my many many complaints were ignored. I initiated this most recent investigation by walking inside Wells Fargo who are extremely rude over the phone. I have been dogged out by Wells Fargo repeatedly loosing my vehicle, my XXXX back pay a whopping XXXX for a car that wasnt worth it and ended up with a 60 month term at {$310.00}. I dont know how much I didnt know back then. But it cost me all and everything I worked for all my life to be ignored by loosing my car with forced XXXX XXXX. That I didnt authorize and definitely made my payments where its unaffordable for a fixed income single parent. I tried changing my mind in total fear but they said the check had already been processed. PLEASE GIVE ME AN UPDATE FROM WELLS FARGO RECENT UNAUTHORIZED PRODUCT ADD ON OUTSIDE OF XXXX XXXX  I SUFFERED FROM. Will be XXXX XXXX IDENTITY PROTECTION BACK FROM XXXX. Reference # XXXX. MEMBERSHIP # XXXX XXXX  # XXXX. PLEASE DONT TAKE YOUR TIME, I NEED YOU WELLS FARGO TO ACT EXPEDITIOUSLY!!! This has been simmering for many years!!!! I deserve to be treated fair with equal opportunities within a reasonable amount of time demonstrating all professionalism EXCEPT LACK OF CARE!

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 2024-01-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
People from WELLFARGO BANK decided to close my platinum savings account when I deposited XXXX checks {$5000.00} and {$1000.00} respectively because they said that there's XXXX check 's amount is changed by handwriting, another check is took picture by cell phone, requested me to provide the notarized letters to verify the check issuers. However, I did faxed my notarized documents XXXX times in different branches offices regarding to verify XXXX checks deposited to my account as they requested, they claimed that they didn't receive fax in XXXX  and XXXX time.It didn't make sense that they can receive the fax at the XXXX  time I faxed but they can't receive XXXX  and XXXX  fax I did on XX/XX/XXXX and XX/XX/XXXX respectively. I found out that they created XXXX different case numbers ( case No. : XXXX XXXX XXXX XXXX XXXX  ) as it's suspicious because nobody can locate my case when somebody picked up my fax. I also emailed to the representative of XXXX XXXX XXXX XXXX  by the attachments of notarized XXXX times, but they ignored them. I mailed all these documents to them, there's no respond to me. They should give me back all my money {$6200.00} deposited in my bank account by cash check when they're going to close my account on XXXX XXXX as the official letter mailed from WELLFARGO bank indicated that their regular practice of closing account, I had already got them done as they requested, they can't find all kinds of excuses that they didn't receive my faxes and close my account without giving me back {$6200.00}.

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 2024-01-18
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/year>, XXXX XXXX attempted to make a single deposit of XXXX checks into the US Bank ATM located in the parking lot of XXXX XXXX XXXX XXXX XXXX, IL, in front of XXXX XXXX XXXX corporate headquarters. The first check was for {$10000.00} and the machine appeared to register this check without problem, then asking for the second check of {$730.00}. While the machine was registering this second check, it appeared to experience a power loss or some other problem that rendered the machine unresponsive and inoperable. A receipt was not received, but the machine had taken possession of both checks. 

After XXXX claims have been filed and over a month has passed, we have finally been notified of a provisional credit to our account. US Bank has made numerous errors and we have lost time and money ( % that should have been earned ) in the meantime.

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 2024-01-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone took money off my bank account without my permission so I file a claim on my account now they saying they closing my account. Without a real reason XX/XX/

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