BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a secured credit card with US Bank. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called US Bank to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Opened a joint savings & checking accounts on XX/XX/XXXX  then my wife decided she no longer desired joint accounts with M & T since she had her own accounts with another local bank. On XX/XX/XXXX  I opened my own savings and checking accounts with my current debit card now linked to my new M & T accounts-there was {$1900.00} transferred to my new checking account and {$5000.00} to my new savings account on XX/XX/XXXX   or so I thought. On Sunday XX/XX/XXXX  my debit card was declined three times because there where no funds in my new individual checking account. All my monies had been mystery transferred back to both joint accounts. Over the next ten days I had to call at least seven times to get my monies moved back to my new accounts from the joint accounts. I don't know who-what-when but this was ridiculous. I was also in XXXX XXXX on personal business and won up with two blown tires trying to get to nearest M & T branch in XXXX XXXX, PA [ near XXXX XXXX ] and found it to be under a remodeling event with no assistance there. When I got back home between the four accounts I was told I should have kept track of my individual spending when I didn't know what accounts had my money and then M & T takes 3-5 to post charges. Tried to explain this on phone to their customer service rep " XXXX '' she hung up on me.I closed my accounts now I'm being bombarded with late fees on my two accounts. Who at M & T kept moving my money? Could never get an answer

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 2020-03-05
Company: EQUIFAX, INC.
State: NJ
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:
XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple inquiries have been reported without my consent

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 2022-03-15
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the XXXX time I have disputed and filed a complaint with the CFPB and FTC over this account PHOENIX FINANCIAL SERVICE # XXXX It is a Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collected by another who allegedly purchased the debt. This account has issues all over the place. I request some type of documentation thew I can review for my own personal investigation. What is the date of the last activity on this account XXXX cant seem to find it? Where is the XXXX waiver?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
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:
FNBO advertised a credit card promotion to earn {$200.00} bonus cash back when opening a new card and spending {$3000.00} within 3 billing cycles, in addition to 2 % cashback on all purchases. I signed up for this card based on the offer, I was approved, and I spent the required {$3000.00}. I paid my bill in full, and then went to withdraw the XXXX points I had earned, which is worth {$260.00} ( the {$200.00} bonus and the 2 % of the {$3000.00} = {$60.00} earned ). Their rewards system wouldn't allow me to withdraw my earned cashback. 
I called FNBO several times, most recently on XX/XX/2023 attempting to get my earned cash back rewards. Nobody I spoke with could provide a way to get me my rewards, as their " High Risk Department '' had put my account on hold. This department demanded I submit a notarized copy of my signed social security card, government issued photo ID, copy of a full recent tax return, and a copy of my business tax return. 
I refused to submit this highly personal information, and requested they issue a credit on my account or mail me a check for my rewards balance. They said the rewards department had to handle that. I called the rewards department who informed me they can't issue rewards while the " High Risk Department '' has my account on hold. 
I demand a check for the {$260.00} in earned rewards to resolve this matter.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
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:
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. 
Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 accordance to the Fair Credit Reporting Act, XXXX XXXX XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Lake Michigan Credit Union [ LMCU ] has continued to charge me overdraft fees and nsf fees dispite numerous attempts by myself to remove the so-called " overdraft protection '' from my acct.

I was able to successfully unsubscribe from the checking acct. and they did not tell me that I needed to do a separate form for my savings account. I then went back to do this for my savings account, but then it started on my checking account AGAIN!

They informed me that everytime I get a new debit card I have to go back in and resign the forms.

Then I STILL received more fees. I was told that if I have an auto-bill pay setup then it would happen again. I understand and went to the different companies that auto debit and asked them to stop. XXXX of them [ XXXX, XXXX XXXX, and XXXX XXXX ] would attemt to withdraw multiple times FOR THE SAME TRANSACTION and I would get a {$30.00} fee each time. 

To date I have paid over {$1200.00} in {$30.00} fees on this checking account. 

I lost my job and have been to XXXX different branch locations begging for some sort of freeze on my accounts until I get a job, yet they happily continue to charge {$30.00} fees.

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 2023-10-04
Company: Self Financial Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My credit monitoring service XXXX XXXX Immediately notified me via an alert that someone was trying to obtain a Barclays Bank Delaware credit card in my name for {$4500.00}. I am requesting that this attempt be DELETED from 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 2020-03-05
Company: NATIONWIDE ACCEPTANCE LLC
State: IN
Product: Credit reporting, credit repair services, 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 have contacted XXXX ( inquiry XX/XX/XXXX ), Nationwide Cassel ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2022-02-09
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I obtained a loan from Security finance. I have received repeated calls in regard to collecting the debt which is fine. However, they are calling me back-to-back. On XX/XX/XXXX they called at XXXX and again at XXXX. on XX/XX/XXXX they called at XXXX and XXXX. I believe that is a form of harassment. I also have repeated calls on several other dates. Since I have not responded they skip traced and called someone that I did not use as a reference and left a message using the words desperately and imperative giving a sense of emergency that I reach them today. They spoke to an elderly person stressing them out. I did not give them permission to call anyone else other than the references on my initial application.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not authorize any of the accounts listed below to obtain a copy of my report. For I am a victim of identity theft. I DO NOT HAVE A CONTRACT WITH THESE COMPANIES. 

XXXXXXXX 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

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 2023-10-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Roundpoint mortgage has violated several mortgage lending laws, has defrauded me on multiple occasions and continues to do so. They have ruined my credit preventing me, a real estate investor by trade, from obtaining mortgage financing for my current projects. For the first time in over 40 years I have been denied credit because of Roundpoints mis-reporting. Roundpoint needs to be held accountable for their malicious, illegal and fraudulent behavior. If Roundpoint has done this to me a mortgage professional, how many other people have they done this to? I believe an audit of Roundpoint 's business practices will reveal rampant fraud within their origination. Roundpoint mortgage is in violation of mortgage collection laws regarding threatening and abusive phone calls. 

Roundpoint failed to properly notify me they had purchased my mortgage loan in XXXX of 2023. As evidenced by their own correspondence dated XX/XX/2023 they are in violation of proper notification laws. A company can not notify you XX/XX/XXXX for a XX/XX/XXXX payment due date and then charge you late fees when they do not receive the payment ; that is fraud. Attached are my canceled checks from XXXX XXXX, my previous lender. XXXX XXXX clearly date stamped the checks XX/XX/2023. Roundpoint is in violation of mortgage loan collection laws by attempting to strong-arm me into paying late fees when I payed my mortgage payments on time. 

Attached also are my XXXX payments to Roundpoint which were clearly made on time. Roundpoint is defrauding my by refusing to give me interest credit for principal I paid over 4 months ago. Roundpoint has been holding over {$6000.00} of my money for over 4 months now and refusing to return it or apply it to my mortgages. Roundpoint needs to properly apply my mortgage payments and back date the principal reduction payments and credit me the extra interest they have been charging me on the scheduled and additional principal I have been paying for nearly a half a year. 

As this is the XXXX complaint I have filed with the CFPB regarding this problem I have also submitted copies of this and all prior complaints to both the State of California and the State of North Carolina, State Attorney 's Office. I am requesting investigations for trust fund account mishandling, conversion and gross fraud.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXXXX/XX/2023 I am reporting a fraudulent inquiry found in 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: I.C. System, Inc.
State: IL
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:
To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. 


The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine IC SYSTEM INC Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX  XXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from 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 2022-06-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi CFPB, I opened a business checking account with US Bank on XX/XX/2021, which came with a promotional offer where I would receive {$300.00} after depositing at least {$5000.00} within 30 days of account opening and maintaining at least {$5000.00} for 60 day after account opening, as well as logging into the online banking within 60 days of account opening. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform US Bank that {$300.00} is to be posted to my account. 

Thank you, 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 monetary relief