BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: CHOICE CAPITAL FUND
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XX/XX/XXXX received loan totaling {$870.00}. Principal {$540.00} Fees {$320.00} Payments started XX/XX/XXXX, they wanted {$350.00} but I couldnt afford it so this is how I was paying. XX/XX/XXXX {$170.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$120.00}, then XX/XX/XXXX I started having hardships so they said I could start paying {$50.00} so thats what I agreed to. 
They emailed me a payment plan of {$50.00} going into the year XXXX. This is when I started emailing questions and not getting no replys! I have been looking through all emails, and I remember they sent me a balance why before my hardships and it was like {$500.00} something.white this pmt plain its back to {$800.00} something! Am I crazy or just misunderstanding!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/, I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, Ive been a Citibank credit card holder for XXXX years, have a credit limit of {$12000.00}, and a XXXX score over 800. My financial record is spotless. 

On XX/XX/XXXX, I funded my new savings account with a {$21000.00} ACH transfer from my XXXX Savings account. On XX/XX/XXXX, I made a transfer of {$10000.00} from my XXXX XXXX XXXX account and an additional {$5000.00} ACH transfer from my XXXX Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details. 

A few hours after my XXXX XXXX transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked. 

On XXXX XXXX I called the fraud department at XXXX and spoke to XXXX. He couldnt see an issue, but saw that Citi was in the process of closing my newly opened savings account. He told me he was escalating the issue for review. 

On XXXX XXXX I was informed that, based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed. 

For the next 60 days they will hold on to my {$36000.00}, will not give the XXXX % advertised interest rate and will only mail me a check for the principal amount in XXXX months. 

My complaint : I followed Citis process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my {$36000.00}. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my {$36000.00} hostage, Im losing XXXX months of the promised XXXX  % interest - approximately {$230.00}. 

Citi is actively advertising and encouraging people to open and fund a new savings account. After funding, Citi closes some accounts and for the next XXXX months, uses peoples money without paying interest. The internet is full complaints that match mine XXXX XXXX XXXX XXXX If there is violation going on, its from Citi, not me. I hope you can assist in getting my money back in a timely fashion. Thank you.

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 2023-01-20
Company: International Computer Systems, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A DUPLICATE!!!! 

First collection services has broken the law due to obtaining my non-public personal information. I XXXX XXXX has never done business with First collection services. First collection services is a nonaffiliated third party trying to collect an alleged charged off debt. You can not collect on a cancelled debt and if you do so it is in fact tax fraud. You're also furnishing this alleged debt on my consumer report. You do not have permissible purpose to do so being that the alleged debt was in fact purchased and you do not have my consent to furnish anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid collections with the intent the items would be removed they never removed the items they received payments for and I was told they would removed them after receiving the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  showing late payments asked kindly to display show burden of proof data furnisher has not shown me statements, situation was fixed a month ago, and they repudiated the account to late after I proved them that I had a binding agreement for payments to be shown as payed and current. 

XXXX XXXX showing XXXX late payment, please update account I payed on time last month XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$470.00} XXXX XXXX {$2000.00} XXXX  XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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. 

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 then seven years.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$370.00}.

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 2022-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/XXXXXXXX the Law Firm of XXXXXXXX issued a payment to my PayPal account in the amount of {$130.00} for my portion of a class action settlement against XXXX XXXX XXXX PayPal, though its servicing bank, Synchrony Bank, misapplied the payment and refused to make the necessary adjustment to apply the payment to its rightful location my account. I filed a dispute with PayPal/Synchrony ( PayPal ) which went nowhere for several weeks. 
After XXXX months, PayPal finally processed the refund, only to reverse it without justification on XX/XX/XXXX. 
This is not the first issue I have had with Synchrony Bank. Refer to CFPB Case No. XXXX XXXX in which Synchrony erroneously posted a hard inquiry to my XXXX credit profile, causing an erosion to my credit score, subsequently acknowledged this error yet refused to remove the inquiry.

There is a SERIOUS issue with Synchrony Banks accounting/controls and I am being victimized as a direct consequence.

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 2023-02-16
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The agent I spoke to in XX/XX/XXXX was XXXX XXXX on your service request number XXXX who told me in XX/XX/XXXX that if I made XXXX final payment, he would credit the other charges on my account because I had not set up or authorized US Bank to artificially keep accounts open that I have tried to close for XXXX years. XXXX told me if I made XXXX more payment of {$100.00}, which was posted on XX/XX/XXXX, he would credit all your other transactions that I did not make, set up, or authorize on all accounts I tried to close entirely in XX/XX/XXXX. Instead, on your side, without my authorization, you continued to make credits and debits on accounts I closed in XX/XX/XXXX. And US Bank failed to send me any of these transactions because you again failed to update the new XXXX address I gave you every time I spoke to your agents. 

US Bank closed checking account XXXX but did not credit it to the cash flow manager account number XXXX, which is accruing daily interest. 

I do not owe US Bank {$200.00}. US Bank needs to get those internal funds from the Silver Business Checking account 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 2024-01-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Order number XXXX. On XX/XX/XXXX I opened a Macys credit card to use the promotional offer of 25 % your first purchase which I had to do online because I had not received my physical card. I received my package with item missing. I emailed them about and they never replied or answer calls. About a month later they called back asking why I didnt send my first credit card payment. I told them I had no way to because they never sent me the physical credit card so I can access the credit card portal. On top of that I have not received credit back for item missing. I also informed them they need to send me a new card because it may have got lost in the mail. I also told them they should remove any late fees as it was an issue with their end. They agreed to all the above and about a month later last week I realized my bill has changed and the new card has not been sent. I called them today to ask why and they said they never submitted a claim for a new card and that my refund claim is denied. So now my credit card is saying I owed over {$200.00} when it should be less than {$100.00}. I will never buy anything from Macys again. I want to sue them as well for wasting so much of time and for emotional distress.

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 2023-02-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXX XXXX XXXX  - {$990.00} XXXXXXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account showed XXXX payments late so I contacted XXXX XXXX XXXX XXXX and disputed the charges and late fees as fraud. I received a letter in XXXX XXXX XXXX stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My Equifax showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer Reports Regarding Address Discrepancies to all 3 Credit reports XXXX, TranUnion, XXXX. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 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 non-monetary relief
Consumer complaint received 2023-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file an extensive complaint against Bank of America for their unacceptable handling of a dispute regarding a debt of {$3600.00} XXXX strongly believe that Bank of America has violated my consumer rights by frivolously claiming the debt to be valid without proper investigation and accuracy. 

I am extremely disappointed with the way Bank of America has handled my dispute. During the initial investigation, I was not given the opportunity to provide my side of the story and deny the information that was presented to them. To make matters worse, Bank of America never even asked if my mobile device was stolen or if any other Apple products connected to my icloud account, which also receive messages including texts, were stolen. This is concerning as my iPhone is not the only device that receives text messages. 

As a consumer, I have the right to expect that my financial institution will investigate disputes in a fair and impartial manner. Bank of America has failed to exercise their grave responsibility to ensure the accuracy of information and investigate my dispute with fairness and impartiality. Their actions have caused me immense stress and financial hardship, and I demand that they rectify this situation immediately. 

I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take necessary actions to hold Bank of America accountable for their actions. Additionally, I respectfully request that Bank of America be instructed to reopen my claim ID # XXXX and investigate my dispute with the fairness and impartiality that it deserves. 

I HAVE PROVIDED DOCUMENTATION AND PROOF FROM MY ICLOUD ACCOUNT THAT THE DEVICE WAS STOLEN AND ERASED FROM MY ICLOUD ACCOUNT TO PREVENT FURTHER IDENTITY THEFT AND FRAUDULENT AND UNAUTHORIZED TRANSACTIONS. PDF ALSO SHOWS EMAIL ASSOCIATED WITH BANK OF AMERICA AND ICLOUD ACCOUNT TO PROVE THAT THE DEVICE DID BELONG TO ME. 

Thank you for your time and consideration.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-16
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is through Loancare LLC, I have never been able to stay a float as a home owner due to many different reasons, XXXX switching jobs, getting hurt at work, XXXX. Currently I am behind, I switched jobs twice and was off work and didn't have income for a month. So as of now I need to make payments and they deny me being able to make one. They want multiple payments up front. So your constantly fighting them, and getting behind on other things. They won't accept partials to go towards a payment. How is this ok?? Why is this ok?

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 2023-02-16
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is related to complaint XXXX for XXXX. NFCU has not been able so far to send anything proveing I ever agreed to be a co-applicant or co-owner of a credit card my husband opened in 2011. They are now withdrawing funds from my seperate savings account to make minimum payments because they say the agreement they can not prove allows them to do that and they will continue to take the money out of my account monthly. They further will not return the payment they took without any authorization unless I sign an agreement to be responsible for the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
We paid final payoff amount. We have a confirmation number as well. But we want to be sure everything is up to date and completed. We have called multiple time and keep getting hung up on. I have tried multiple numbers and different way to contact and no response. Online it says we are locked out due to failed attempts. But again.cant not get a hold of anyone and keep getting hung up on. If I call from a different number I can get through but sat on phone for over an hour, and no one answers. Its concerning my number cant get through but other numbers ( that are associated with my account can! ) Paid off on XX/XX/23 of {$150.00}. I will also need the title!

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 2023-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2023, Wells Fargo has reported wrong zero balance on my credit card to all credit reporting agencies. BUT IT IS NOT ZERO ( See Attached Document ). Thus, Wells Fargos reporting zero balance - caused my XXXX score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points XXXX score drop and also for any " eventual subsequent '' XXXX score drop. 

Wells Fargo to immediately re-report the correct XX/XX/2023 Credit Card Balance Credit bureaus to fix this error and restore my original XXXX score of XXXX - if not FCRA lawsuit shall follow on XX/XX/2023

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