BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
CITIBANK is holding my XXXX XXXXXXXX and haven't returned my wire that they voided. 

CITIBANK cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with XXXX and CITIBANK respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE XXXX OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, CITIBANK GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to XXXX and XXXX is not able to refund the money back to my account. Its been over a month and CITIBANK employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least 6 hours calling and following up with XXXX and most of their employees are giving me different answers. Its either XXXX is not doing their job properly with CITI bank, or CITI employees are not doing their job. It should have been an easy fix since the wire was void in the first place.

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 2024-01-11
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
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:
According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication 4681 ( XXXX ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer 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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$500.00} on XX/XX/2023 to my Dad in XXXX XXXX Bank of America Online App to his account on XXXX XXXX. The fund took longer to get there, then I decided to send the money with XXXX XXXX. I then requested to Bank of America to return the fund which they promise will be done, but never happened. 
after many attempt to return the fund, I was told that the bank in XXXX denied to return the fund and I had one choice to give green light to my dad to receive that money, which I did but my dad never received that found. After six months of calling every week these transfer investigators, I was told to go to the Bank to get help. 
I met XXXX XXXX who is AVP Financial Center manager at Bank of America on XXXX XXXX XXXX XXXX, XXXX, TX XXXX, She tried to follow up unsuccessfully. at the end I was told that there is nothing else the bank could do because the other side told them they gave my dad the fund and the was no mistake or error, but they failed to provide the proof i asked for. BANK STATEMENT

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 2024-01-23
Company: Monterey Financial Services LLC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today XX/XX/2024 I noticed Monterey Financial Services transferred {$89.00} from our joint checking account. I did not authorize or consent to this transfer and neither did my husband. According to XXXX Monterey Financial Services took over an account I have in XXXX. I only recently learned of them because they showed up on my credit report and I filed a dispute which came back valid. I have never contacted them and they have not contacted me. I have reported this issue to my bank. They have started the dispute process and provided me with a claim number. I also contacted the Attorney General 's office. I will next be filing a complaint with the XXXX XXXX XXXX. I am appalled that debt collection agencies can find personal banking information and other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.

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 2024-01-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

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 2024-01-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed 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 2024-01-15
Company: Velocity Portfolio Group
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I mailed CKS Prime Investments a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation. 

On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.

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 2024-01-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I made a loan modification last year. I finally got caught up on everything now they have raised it over {$800.00} a XXXX. They said this was because of XXXX. Also, a small increase an insurance and taxes. Also, several payments are missing and they cant tell me where they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: InvestiNet LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received notice from a new debt collector, InvestNet, LLC, for a time barred debt for XXXX XXXX XXXX in the amount of {$8600.00} for account number ending in XXXX. 
This debt was reported delinquent on XX/XX/2017. Statue of limitations for open ended debt in the state of XXXX  is 6 years. 
My questions are this : I read that if I respond, it could restart the clock on the debt but if I dont respond I could be taken to court. 
This debt has hurt my credit for the past 6 years and is no longer on my credit report. 
I am unable to pay this debt due to current financial hardships. 
What are my options and can this new company sue me for a time barred debt? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on 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 non-monetary relief
Consumer complaint received 2024-01-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/scrub>XX/XX/XXXX  Notified by Credit Report that my Citicard had been compromised- placed all credit cards on credit freeze through all four credit reporting agencies. 

XX/XX/XXXX Placed Citi Credit Cards on Purchase Freeze ( No transactions should be processed ) I have called and asked that all my accounts be closed on the following dates : XX/XX/XXXX asked that accounts be closed as Citibank continued to post charges to my cards I had on freeze. 
XXXX at XXXX XXXX - Again requested accounts be closed as I had received charges from a casino in XXXX, I've never been to 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
Consumer complaint received 2023-11-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
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 have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo Has Violated My Consumer Rights as A Natural Consumer 3rd Notice XX/XX/year> Notice to agent is notice to principle Notice to principle is Notice to Agent Applications to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Credit Card '' 15 USC 1602 ( 1 ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. ) Each violation of Title 15 of the United States Code is {$1000.00}. I the consumer and natural person have the right to invoice ( Wells Fargo Bank for their unlawful acts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attention CEO, XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Adverse Action Dear, Wells Fargo The consumer and natural person, was denied credit, By Wells Fargo Bank NONE when I applied for credit card for XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in IS US.C 169lc and is pursuant to civil liability under 15 USC 1692K You are subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by Wells Fargo due to the response I received Wells Fargo is in violation of 15 Us Code 1642 USC1681m and 12 CFR 1002 because | the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ] was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card on the behalf of Wells Fargo Bank if Wells Fargo Bank falls to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Wells Fargo Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681m and 15 USC 1681. I will also follow up with an invoice for said violations {$1000.00} per violation. 
Thank you, XXXX, XXXX, XXXX ( Agent/Beneficiary ) XXXX Without Prejudice, All Natural Inalienable Rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For many years Wells Fargo over charged my accounts excessive overdraft and bounce checks 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 2024-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. XXXX XXXX XXXX doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the XXXX. 

In spite of this Experian refuses to remove this false information from my credit report or require XXXX XXXX XXXX to validate this debt by producing any validation of the debt or even the date of the last payment.

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 2024-01-19
Company: Continental Finance Company, LLC
State: TX
Product: Credit 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:
OnXX/XX/XXXX, a credit alert informed me there was a collection account added to my credit report. I called the organization to inquire about this debt. I was informed the debt was for a XXXX XXXX. I informed the representative the account was paid, and was informed that I was correct. I then requested a letter from their organization confirming the account was not written off, and currently have a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I received the letter as discussed, reflecting a {$0.00} balance with no money owed to the reporting company,

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 2024-01-18
Company: WELLS FARGO & COMPANY
State: CA
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 now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

P

er 16 313.15 Other exceptions to notice and opt out requirements. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX, XXXX AND 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