BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with US Bank a few months ago, i was told once i do 2 direct deposit for total no less than {$4000.00}, i would get {$400.00} promotion, and i did that, the last few months, i contacted them several times, agent told me i have met the requirements, and the reward would give to me, i even received a paper letter on XX/XX/XXXX, said the reward would give to me by XX/XX/XXXX On XX/XX/XXXX, i contacted them, they promised would give me the reward, told me to wait till XX/XX/XXXX, but i still havent seen the reward, so i contacted them on XX/XX/XXXX, they said sorry you didnt meet the requirements.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: MS
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2022-06-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX have found In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I also submitted the attached notice below and submitted it to Barclays on XX/XX/23 and it is XXXX and I have received no response pertaining to this issue.

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 2022-07-04
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy Account # 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

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 2023-08-29
Company: EQUIFAX, INC.
State: WI
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I received a notice of default letter from Fay Servicing LLC with a date on the letter of XXXX XXXX. XXXX days after that a certified letter of the same was put in my mailbox where no signature was even required. The letter is attached in this complaint. I also want to mention the investor of this loan is XXXX and I think they need to know about this as well. 

I was on a previous payment plan paying an astronomical amount of {$5500.00} a month. The plan was for 5 months. The last payment put me in default due to circumstances beyond my control. I never missed one payment over the 4 months. 

I have been trying to contact the account manager- XXXX XXXX XXXX assist in this matter because I am suffering a hardship ( loss of income due to XXXX XXXX ), current law suit from hospital requesting garnishment of wages, and emergency home repair where a furnace needed to be purchased ) All happening in the months of XXXX. I have been sending emails and phone calls with no call or email returned. The back of the default letter page XXXX of XXXX states " WE ARE INTERESTED IN WORKING WITH YOU ..... ''. This could not be further from the truth. I believe they are trying to take my home that I have been in for over 16 years. I WANT TO KEEP MY HOUSE I HAVE NO WHERE TO GO!!!! PLEASE GIVE ME A FINAL OPPORTUNITY!!!! 

While other representatives have answered they are either rude or giving misinformation, threatening ME WITH FORECLOSURE or plain just don't know what they are talking about. That is the purpose of speaking to the account manager. My questions are not addressed to my satisfaction. I DO NOT QUALIFY FOR STATE ASSISTANCE IN MICHIGAN. 

I also sought assistance from a XXXX XXXX XXXX which is a not-for-profit organization which provides resources to help a homeowners who are in danger of foreclosure. I want to mention an Account Manager by the name of XXXX XXXX Fay Servicing XXXX ). On a recorded line with myself, XXXX XXXX of homeowner alliance protection and XXXX, while is was asking a questions pertaining to my mortgage with my permission, she actually joked about my situation. Please listen to the message. The phone conversation was on Monday, XX/XX/22. 

I already know the person who will answer this complaint will say the same thing : WE ARE SORRY YOU EXPERIENCE THIS .... I am tired of hearing that XXXX. Start having compassion for people struggling in a bad economy. They need to train these employees. If you read all of the complaints on the XXXX  and XXXX, thousands of people are being threatened and speaking to unprofessional employees on a daily basis. 

I have the ability to pay and now back to work. I want the opportunity to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: OH
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 XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX AccountXXXX, 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

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 2022-09-23
Company: Credit Karma, LLC
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Karma lie to me they keep sending me email about my approval is outstanding to apply for a credit card and if i don't get approve they will pay I applied twice and didn't get approved now i have high inquiry my score get down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MS
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:
I am a victim of Equifax Data Breach. This information needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX in the amount of XXXX the company name is mrs. BPO llc.

I spoke to them trying to get it removed because they had the wrong address and I never dealt with this company at all. I called the original debtor they have no records of me at all. The original debtor is XXXX XXXX  Please remove from all credit reporting agencies. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX someone accessed my account and removed funds in the amount of ( {$2500.00} ). I was informed by the bank that this money went to a XXXX XXXX XXXX account via XXXX and provided with a name and phone number of the receiver. In the meantime they issued me a temporary credit on XX/XX/XXXX  for the stolen {$2500.00}. 

On XX/XX/XXXX  I received yet another email stating that they found no error in this XXXX payment and on XX/XX/XXXX  they will be removing the {$2500.00} credit. I outreached the bank regarding this and was provided with the same response, that I sent this XXXX to XXXX XXXX XXXX and there is no error. 

I can ensure you that I did not send any XXXX  payment to anyone especially at XXXX in the morning. This XXXX  person is not listed in my contacts either, so again Im clueless as to who stole my money, yet again from my account. 

Nevertheless, due to the ongoing problems I have encountered with this account I have closed the savings however was unable to close my checking due to bank policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: PA
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 did not open/authorize these accounts.

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 2022-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Opened business credit card with Citizens bank. Bank did not explain credit card terms and how the card worked during sign up. I pay card off every single month on centresuite app. I unexpectedly get a bill in XXXX for {$8000.00} ... .after viewing monthly statements every month on app that states nothing is owed on my account. 
I call citizens business credit card. They tell me that my credit has been hit, i owe {$1000.00} in fees and that the app just shows what is due on the card that is " attached '' to the business card, not what is due on the actual acct. Every payment I made, only goes toward resetting my card every month. The business card was adding up ad attaching monstrous fees to it. I have never heard of any bank or credit card company doing anything like this!!! It is horrible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is regarding an item placed on my XXXX credit file XX/XX/2022 by a collection agency calling themselves, Aldous. According to my XXXX credit report, collection attempt is in the amount of {$300.00}. During my initial correspondence with this agency, I asked for validation of debt. After that. some suspicious documents were mailed to my place of residence. I then stated in my second correspondence, that I needed to see copy of the identification card/driver 's license used to obtain this alleged debt, The agency then mailed me a threatening letter, stating that they will not be mailing me the requested item, and they were proceeding with the placement of this negative item on my credit report. A willful violation of federal law. 
Regardless of the lack of proof of this debt, XXXX did not hesitate to place this item on my credit file. If the proper vetting was done by this credit reporting agency, I would not have to be writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CBC Companies, Inc.
State: TN
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 a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX  I attempted to withdrawal cash at an ATM inside a Citi Bank location. The attempt was blocked multiple times at the ATM, and while it presented no reason for the issue, it directed me to speak with a bank teller. The bank employee was unable to to withdrawal the cash, but was able to tell me a fraud hold had been placed on the card due to my attempts. I left without any withdrawals occuring that day, and I called Citi to confirm that it was myself who had attempted those withdrawals unsuccessfully and have the fraud hold removed. When I checked my account a few days later, I had been charged for a withdrawal of {$500.00} dollars and a subsequent {$25.00} fee. I called Citi again, was assured that charged would be reversed. Waited for a few days and this never happened. By the XXXX of XXXX I called Citi again, was told that the charge would be reversed again, and received a letter about a provisional return while the issue was resolved formally. Then comes my latest statement, with the charge put back on, fee put back on, and interest charged. On cash I never recieved. Today, XX/XX/XXXX, I spent a couple of hours trying to ask Citi employees to reverse this charge yet again. This time I was told flat out I was denied. Citi has decided to keep the money, because they decided I received it. What proof there is to conclude this, they refuse to provide. I beg to differ as phone records and video cameras from the bank on XX/XX/XXXX will show quite clearly otherwise.

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 2022-07-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was told that " billpay '' takes 6 working days guarenteed. It took 26 days. Called through out the time to try to get people to make sure soemthign was happening but the bill pay check didn't arrive until it was too late for me to stop what has happened since. Wells Fargo the bank I have a complaint with did nothing and to resolve it said that I was not the sender of the money so had no right to complain. Yet I was the recipient waiting for the funds to go to an escrow account to complete a property transaction. That has cost me tens of thousands of dollars as a result of being 20 days late and NO ONE AT WELLS FARGO CARES. dismissed me as irrelevent. 
What is a Guarenteed payment time if no one cares when it arrives and the persobn recieving is told they do not count as part of the transaction.

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 2022-09-23
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX im writing regarding XXXX credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX im writing regarding XXXX credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.

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 2023-04-08
Company: AmWest Funding Corp.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage whose company is Amwest funding Corp . 

My statements from this mortgage company show that I am delinquent when I pay my monthly mortgage during the grace period and they automatically add 2 months due on statements even though the previous months were all paid but some were paid during the grace period. 

This looks really bad on me as it seems that I am always late when in fact I am not and definitely NOT delinquent. This is hurting me badly with other refinancing institutions who need to look at my current mortgage statements. 

The reason why I sometimes pay during the grace period is because of I have no other choice due to my financial schedule. 
Do mortgage company have the right to write on statements that you are DELINQUENT when a monthly mortgage payment is paid during the grace period?

Company response to consumer: Closed with explanation