BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have funds in my joint Lake Michigan Credit Union ( LMCU ) checking account with my wife. She had an unpaid LMCU credit card that was a very small fraction of the total funds in the account. LMCU would not allow me to withdraw a small amount of funds because of the fractional charge on an account I am not on. 

LMCU denied disbursement because of a fractional charge that my wife had been trying to pay for the last month online. She didn't get to LMCU before they shut down all funds. We were unable to make it to LMCU during hours during a difficult period as my father passed away XX/XX/XXXX and had been actively transitioning since XX/XX/XXXX according to the hospice nurse. 

We tried to pay using the online tools but LMCU had technical issues sending the money from our joint checking account to her separate XXXX account. Note the amount that LMCU cancelled us over was < 1 % of the total funds they froze due to my wife 's unsuccessful attempts at paying. LMCU then removed all rewards she had on the credit card which totaled {$200.00}, well over the amount LMCU froze all funds for. 

Since they took these terrible consumer threatening actions we closed our credit accounts and are actively working to move our funds out of this place because of their terrible company policy that keeps funds away from the consumer for very fractional amount of funds. 

As a consumer I am appalled that my funds ( ie paycheck used to operate my family expenses ) was froze and restricted from me for a fractional amount that was late and that I was not associated with. 

This practice was highly impactful for our family and law should be made if not already to ensure these institutions don't continue to threaten hard working American consumers.

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: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
because my account has been frozen if it is my account and I don't have to see anything about it, I have been receiving my payments for two weeks and they have everything that I can't even withdraw or anything and my bills and my children don't know how to wait because they don't know what's happening. On XX/XX/XXXX, they withheld my work payment of {$1600.00} and on the XXXX they also withheld all the payments that entered my account. A dollar comes in and a dollar they grab I'm already tired anyway right and you can't help I need my money to pay my rent every time I buy food for my children and pay off all my credit cards I feel like my hands are tied

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 2024-01-30
Company: MoneyLion Inc.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX money lion illegally opened a credit builder plus loan in the amount of {$1000.00} it was placed in a reserve account with moneylion when I noticed this account was open on XX/XX/XXXX I requested that this account be closed. Account was closed on XX/XX/XXXX none of this money was ever in any of my accounts money lion is reporting to all three credit bureaus that I am {$250.00} past due they are trying to charge me {$150.00} for principal and {$100.00} for interest on a loan that I never even received. In two different complaints one complaint States that the roar money account with the remaining {$900.00} placed in a credit reserve account and then on another complaint is stating that the loan amount of {$850.00} money lion will not close this account that I don't owe them any money money lion States that they declined my request to alter or delete the information provided I am also military dependents .money lion has deceived military dependents imposing memberships fees covered on loan payments that I don't actually owe. Money lion has placed this account with collections but is still trying to charge me membership fees every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX mortgage. Then I did loan modification XXXX years ago. I thought it included both mortgages. Never received any note stating I owe a XXXX mortgage Till now from a collection agency stating I owe a huge amount plus interest. Totalling XXXX Try to get legal help to get advise in what to do. I was told not to talk to the collection agency till I talk to a lawyer. But don't have the money to do so.

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: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Can you update my address and name on my credit profile.

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: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services place a collection on my credit reports that don't belong to me and hurt my credit report badly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: Veros Credit, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I requested information from Veros Credit on numerous occasions. I owe more than what I borrow on this loan. I borrowed XXXX and now I owe XXXX and Im trying to figure how do I owe so much and havent had the vehicle for a year yet. Also I dont understand how my this company is not reporting my payments on time. How do I only have 1 % paid in 11 months at XXXX a month and XXXX down payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I AM SO ANGRY ABOUT THE TRICKERY OF MY VA LOAN BEING CHANGED TO A CONVENTIONAL AND THE 3-YEAR PAY-DOWN STATUS STRIPED AWAY. I WAS PAID DOWN TO 27 YEARS FROM XXXX TO XXXX. YOU SEE THE VA XXXX IS A LOAN WITHIN ITSELF JUST FOR VETERANS SAYING THAT IT`S A VA TO VA. NOT A VA TO CONVENTIONAL. I HAD ABOUT {$54000.00} OF P & I INVESTED IN THE LOAN UNDER THIS LOAN NUMBER IN THIS PHOTO ( 1. ) XXXX. AND I CAN NOT BELIEVE HOW MANY TIMES I HAVE HAD LOAN # FLIPPED AND STILL FLIPPING. FIRST IT WAS XXXX NOW XXXX. THEN I HAVE FUNDS STOLEN FROM MY EQUITY AND ADDED BACK INTO THE LOAN. IF I DID MISS ANY PAYMENTS INSTEAD OF YOU ADDING MONTHS TO THE LOAN YOU ADDED YEARS THEN ADD INTEREST TO THE PAYMENTS MAKING THE PAYMENTS LARGER OVER TIME BY PUTTING THEM IN YEARS. PHOTO ( 2. ) XXXX. CONVENTIONAL LOANS ARE NOT INSURED BY THE GOVERNMENT. ( 3. ) XXXX. I HAVE HAD NO AMORTIZATION SCHEDULE SINCE XXXX, I HAD A FIXED RATE APR TO THE MORTGAGE. AND MY WIFE NAME CAN NEVER GO ON THE LOAN CAUSE I AM USING MY INTITILMENTS. SHE CAN ONLY BE ON THE TITLE AS THE OWNER THE LOAN IS IN MY NAME. I AM NO MORE CLOSE TO BEING A OWNER OF MY HOME THAN I WAS IN XXXX. I MAKE PAYMENTS AND YOU FIND WAYS TO PUT THEM BACK IN TO THE PRINCIPAL.THIS LOAN IS IN A RESTOR STATUS MEANING THE LOSS OF MY INTITILMENTS AND XXXX XXXX XXXX DID A TRUST NOW MY HOME BELONGS TO HIM. IF I DEFAULT I HAVE TO ANSWER TO HIM NOT TO THE BANK? OR SHOULD I SAY TO HIM AND THE BANK. CAUSE YOU DID A CONVENTIONAL AND HE PAID {$30000.00} THAT`S AFTER TAXES.YOU SWAPPED OUT MY XXXX LOAN JUST LIKE I WAS A FIRST TIME BUYER, AND MADE {$54000.00} DOING IT. MY ATTORNEY AND I ARE DOCUMENTING ALL OF THIS. AND THOSE SIGNED DOCUMENTS YOU SENT ME I DON`T NEED NO FORENSIC TO KNOW THEY ARE PHOTO COPY FORGERY. THAT`S WHAT COMPANIES WITH MILLIONS CAN DO.

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: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

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: Penn Credit Corporation
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Penn Credit on XX/XX/XXXX to schedule a payment of the full balance owed to XXXX XXXX gas of {$270.00}. The payment was scheduled for XX/XX/XXXX. There was a second payment to XXXX XXXX via Penn Credit that was scheduled for XX/XX/XXXX and that payment was taken out of my account by Penn Credit. I was under the assumption that all of the balances were paid in full since I made the payment arrangement and there was no other communication from Penn Credit. 
Today XX/XX/XXXX, 4 months later, I received a letter in the mail from Penn Credit to collect a debt of {$270.00} that was outstanding for XXXX XXXX XXXXXXXX. I thought that there was a mistake since this was paid in full in XXXX last year. I called Penn Credit and was told by them that the balance was still owed. They tried to tell me that they debited my bank card on XXXX but the payment was denied. This was a lie since the money was in my account and it had a positive balance of {$930.00} on XX/XX/XXXX and sufficient funds the following days ( snapshot included ) and the second payment that they took out on XX/XX/XXXX was deducted from my account ( snapshot also included ). The problem wasn't with my bank or balance. I asked why they did not contact me immediately and why it has taken 4 months to be notified via mail that my payment didn't process. I asked if they can send me proof via mail of their billing paperwork that shows that their attempted payment was denied and they refused to send me that. It is my belief that Penn Credit 's billing department made an error or did not take the payment on XX/XX/XXXX as scheduled and left this debt sitting with them until now. This could have had serious consequences for me if it was reported to collections because I am in the process of buying a home. It is unacceptable that they waited 4 months to send me a letter stating that they still had this balance when it was scheduled to be paid in full on XX/XX/XXXX. XXXX. They told me that they tried to call me but they did not leave a message. I received no communication via mail or email from them or XXXXXXXX XXXX XXXX until now. Penn Credit 's methods of processing and collecting debt are faulty and potentially damaging to consumer 's credit records, in turn their ability to rent or buy a home and take care of other necessary life responsibilities and needs that rely on credit reporting and consumer credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

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: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXX XXXX  XXXX  worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let USA auto sales know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. USASF Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. USASF Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.

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: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/year> at around XXXX, I went to check out on the XXXX XXXX website to purchase a flight to XXXX. While in checkout I received a promotional advertisement to lower the cost of the flight i was checking out with by {$400.00} if I applied for the AAdvantage Citi Card. 

I applied, and immediately received an approval e-mail that had the last four digits of my account on it but not any way to apply it to the checkout. I called XXXX XXXX and they said it was a Citi issue, and they would probably issue me a temporary card I could use to check out with ( and that would come in 24-48hours ) I called Citi and they said the promotion only works once the card is received in 7-10 business days. I asked if they could give me my temporary card, and they said that would have a limit of {$500.00} on it and would not count towards the promotional credit. I asked if they could give me my full account number, and they said they could not because it was just created and will take 7-10 business days to complete. Citi told me the best option was to wait for the credit card to come in the mail in 7-10 business days and then buy the flight. In 7-10 business days that flight will not be the same price as the advertised promotion I applied for. I even did checkout 20minutes after and the price was completely different. 

Having the promotion at checkout and advertising that applying for the card will save me money on the current flight is false. The terms and conditions when applying say in the {$400.00} statement credit promotion : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. " I was instantly authorized. I did not receive the temp account info and I could not use it during payment for the current eligible XXXX XXXX purchases at time of checkout. 

This is false advertising.

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: HK Recovery Group Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to make a complaint against HK Recovery Group , Inc. who collected a money judgement for me that I previously petitioned the courts to approve. My case was initially won in city court against previous rental occupants who refused to pay their rent. A judge granted me an approval to seek a judgment against the defendants. I placed a judgement against the defendants at the judges request, but was unable to collect on the judgement. I contacted HK Recovery Group , Inc. to assist me with getting the monetary judgment. 

I received a letter and check from HK Recovery Group Inc., dated XXXX  in the amount of {$38.00}. The letter attached to the check was itemized for their services rendered. The total amount of the check was for {$410.00}. According to HK Recovery Group , Inc., their services are supposed to be 33 % of whatever amount is recovered. I was not informed of excessive expenses and commission fees. The amount sent to me does not add up fairly. And, I am very disappointed and confused with this deceptive act.

I am requesting assistance in this matter. I have provided supporting documents for your review.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone purchased approx XXXX dollars worth of stuff online to multiple XXXX companies. I disputed the charges with Wells Fargo when I noticed I was missing a deposit of XXXX dollars that was supposed be deposited into my account XX/XX/2023, which it was but someone used my card multiple times and took XXXX from my account. I filed a police report as they requested but I'm still waiting on the police department to finalize/process it so I can send it to Wells Fargo XXXX Wells Fargo information informed me in a message saying they believe the charges are correct and will not give me my funds back, which makes no sense considering not once have I ever purchased or tried to purchase anything from a international company nor any kind of lottery they are saying the money went to. This can be verified by looking at my account and also XXXX XXXX  i was staying at informed me XXXX  XXXX  XXXX at XXXX in XXXX had been terminated for theft of credit card numbers when I made a comment about someone stealing my money. I included all this in the police report with my laptop, cell phone XXXX  addresses so Wells Fargo could verify the purchases were not made with any of my devices. Wells Fargo Claim : 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