BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

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 2024-01-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I moved to another house and I never received any notification or email from Macys and they said I was missing couple of months payment then had me pay over {$350.00} in interest without getting back to me to ask for my new address or send me any notification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX in XXXX of XXXX I went to XXXXXXXX XXXX in XXXX XXXXXXXX and was trying to get a car loan for a XXXX XXXX XXXX XXXX. I was in that dealership for several hours. A down payment of XXXX for the car. I was the last customer in the dealership I was very tired and exhausted til finally approved me with credit acceptance. This car cost around {$55000.00} dollars and I can't pay it anymore this bank is savage and stealing money from me. Everything is falling apart in my life due to this bank and struggling everyday of my life to get out of this situation and I be feeling so depressed everyday. I dont now what else to do. I cant keep up paying close to XXXX a month for this car that is not worth it. XXXX is insane. I am looking for help I am very desperate and find a solution please help 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 explanation
Consumer complaint received 2024-01-26
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I ordered a payoff so the home could be sold. NewRez was provided a written request to generate a payoff with signed borrower authorization form but NewRez refused to do send one in a timely manner. This is an ongoing issue with this servicer as they repeatedly refuse to process payoff requests for borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not my debt and I have no knowledge of this debt.

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: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened an online account for checking and savings with BMO as it was a holiday weekend I tried to XXXX XXXX a check for XXXX dollars therefore I was told it would have a hold understandable. I returned the following day with a cashiers check for the amount of XXXX from XXXX XXXX for my mothers account as she passed I was named beneficiary of it and went to deposit it and was told that someone already flagged my account as doubt to pay for the prior days deposit so now XXXX told that Friday XXXX dollars would be available and going off what XXXX told I call in and ask if the hold is off my account XXXX told that the fraud team put a hold on.my account because of the check for XXXX dollars was told my account would be closed if the for XXXX came back as a chargeback I said I have proof of funds which I emailed on the XXXX to bmo from XXXX XXXX the lady said when I called in your account will be back to normal tomorrow night being the XXXX so I went in to a branch on the XXXX in pulled out XXXX dollars then I received a call saying my account was back frozen didnt receive a reason why only that I would be contacted this is very in reasonable and Ive went to the branch multiple times because my identity was in doubt clearly are violating bank laws of deposit holds and freezes

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: Maury Cobb, Attorney at Law, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a XXXX dispute and they owe me {$3000.00} that I finally gave up on collecting and switched carriers, this all happened during them trying to migrate me from XXXX to XXXX. It took a year for them to do that then they mis billed me several times and by the time my accountant caught up to it it was to late and I fought XXXX XXXX many times aboiut this. I will not pay this so please remove me to be collected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to login to my account with Bank of the West and noticed that for some reason it had changed from Bank of the West to BMO. I somehow managed to change the password and logged into my account. The funds showed lower than what I had spent. I called the bank and was informed that any disputes must be done in the branch as they were not able to help over the phone. I printed out XXXX transactions from my account that were not mine and went to the branch. The branch seemed confused as to how to help me and told me to call the XXXX number to file the claim as they were in transition and did not really know how to proceed. That is when I got frustrated and raised my voice and stated that I would not leave the branch until they filed the claims. Eventually they filed the claim for XXXX transactions that were not authorized by me and had no relation to me in any ways. I was advised that the process would take XXXX  days and left. Not hearing back from them after a while, I decided to login to my account but still was not able to, so I called the XXXX and was advised that they had locked the account. So they verified me and unlocked the account. I logged back into my account and saw that the balance was still low. So I called them back and was advised that only XXXX transaction from the same merchant was settled but not the other XXXX. When I asked them how it was possible to settle XXXX transaction from the same merchant and not the other, the XXXX had no idea and no information to give. The only info I was given was an email that they said they also used to get any answers, and the XXXX was really bewildered to know that XXXX claim from the same merchant was settled but not the other one. BMO chose the lowest claim amount to settle which did not make any sense as the other transaction was from the same merchant as well.

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 2024-01-29
Company: M&T BANK CORPORATION
State: IN
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:
XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  is reporting M & T bank on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my M & T bank. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.

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 2024-01-28
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like my {$5600.00} debt removed from CITI bank on my 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 explanation
Consumer complaint received 2024-01-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
They needed to show proper validation of this alleged debt and if this was not provided within XXXX calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid. 
FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail 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 2024-01-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX, my Wells Fargo ATM card was compromised. I notified WF within the hour of this occurrence and requested that my ATM card be cancelled and a new one issued. After waiting over a week for a new card and not receiving one, I called WF to ask where it was. I was informed that a new card hadn't been ordered. I was concerned about my account being vulnerable but was told not to worry because my account had been frozen. WHAT?? I hadn't asked for that, and I have most of my bills on automatic payment. I told them to unfreeze my account, cancel my ATM and send me a new one. Which WF did. 
I thought all was well, my bills were paid in XXXX and XXXX. 
On XXXX, I paid my 2 XXXX credit card balances. One card is due on the XXXX, the other on the XXXX. A week later, my XXXX dXXXX XXXX XXXX XXXX was declined. When I called XXXX to inquire why, they told me my account had been closed. WHAT?? I had paid my accounts early, so why was it closed? XXXX told me they had tried 3 times to collect from WF and was declined, so they closed the account. I won't go into how infuriated I was! XXXX didn't contact me that they closed the account, I could have paid the balance with a XXXX XXXX account. But my issue is with WF. I called WF to find out why my XXXX card wasn't paid and was told that my account had been frozen. WHAT?? I had neither consented or was notified that my account had been frozen. I couldn't believe it! I asked why it was frozen and COULDN'T BE PROVIDED AN ANSWER! I was transferred multiple times and explained my situation multiple times to different WF personnel but still couldn't be told why my account was frozen. One guy suggested that my account wasn't properly reopened in XXXX, so it was again frozen. WHAT?? I have spoken to no less that 10 WF employees and STILL haven't been given an explanation. I have been contacted by WF by phone and letter that my account was frozen last XXXX because my ATM was compromised. I KNOW THAT. Still nothing about XXXX. WF sent me a mediation form and I filled it out and was contacted by phone this morning by a WF mediator and after I told him my situation, he said that my case doesn't really fit into his department. He deals with fraudulent accounts or activity with WF. SO, I STILL don't have an answer. I even went into a branch and spoke directly with a banker and she couldn't figure it out. XXXX asked for a letter from WF stating that my account was frozen not by my direction. In other words, the denied payment to XXXX wasn't my doing. 
WF refused to give me such a document. I decided I didn't want to do anymore business with WF so I closed my account on XXXX or XXXX of 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
Consumer complaint received 2024-01-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
wells Fargo owes me my money of {$500.00} that was in my account that they will not give me back! Please.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Bank to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a XXXX a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!

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 2024-01-26
Company: CITIBANK, N.A.
State: NV
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:
MY SHELL CARD WAS STOLEN WHEN I LOST MY WALLET, WHEN I FILED A CLAIM WITH THE FRAUD DEPARTMENT THEY REFUSED MY CLAIM AND THEN CLOSED MY ACCOUNT, I HAVE FTC FRAUD AFFIDAVIT TO BACK UP THE FRAUD THAT OCCURED THESE CHARGES NEED TO BE REMOVED OFF MY ACCOUNT.

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: CO
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 with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
USAA credit card Account # XXXX  balance {$8500.00} I was unable to keep up with the monthly credit card payments in 2018 due to financial hardships before and after the COVID pandemic. My daughter was diagnosed with a medical condition and I was supporting another young daughter also. I was helping other family members living in the XXXX who needed financial help due to major health issues and typhoon storm disasters. 
My income source as a XXXX XXXX  was always unstable and requires long grueling hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation