BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent. 

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX XXXXXXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.

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 2023-03-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out a loan for my new car through Toyota Financial Services. I registered for auto payments but they never deducted the payments. My car was repossessed and I had to pay through the nose to get the car back and bring the account current but it is now virtually impossible to get information about my local from XXXX. Its difficult to get anyone on the phone and when you do, they cant provide accurate information about the account. Its also impossible to set up payments on the web. Please help me. All I want to do is pay my bill on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX, I requested a quote for auto and home insurance from USAA. I never accepted the quote or became a customer. Today, XX/XX/XXXX, I received a letter from USAA detailing their " privacy promise '' and that they maintain information about me for internal and 3rd party use. I called to ask why and to have my information removed as I have never been a customer. I was told my information would be " restricted, '' but it would not be removed. 
Having been a victim of identity theft and loss of personal information through employers and entities I did business with, I see no reason for USAA to maintain ANY information about be, particularly seeing as I have never become a customer. I want my personal information removed from USAA 's system yet they refuse to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
I did not cosign this loan, my identity was stolen for this loan, I went through similar problem with XXXX XXXX servicing in XXXX. All papers were submitted to verified my XXXX Mohela was writing me again on the loan I did not cosign

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
Today - XX/XX/2018 - I had a very strange conversation with someone called " XXXX " at Chase Executive Offices. 

XXXX told me that they were not going to fix the problems! XXXX said to start a new complaint! 
- So - that is what I am doing now! 
- That was strange. Because when I submitted complaints - I got replies telling me to call the phone numbers & the extensions & all that. 
- So today - when I call the number & the extension & all that - then I'm told to file another complaint! 
- Y weren't the problems fixed today??? 
- Y? 
- - Y weren't the problems fixed today??? 

- I wanted the problems fixed today!!!!!!!!!! 

According to THE LAWS - the problems should have been fixed MORE THAN A YEAR AGO! 

XXXX apparently hung-up on me before I could finish explaining things. 

- - It now seems like they r giving me a run-around! 
- I'm probably going to get a response from JPM Chase telling me to call telephone number & extension all over again! 


. 
XXXX - who repeatedly refused to state full name - told me that Chase was not offering financial compensation for re-insertion of derogatory items! 

- I tried to explain that it was NOT so much a matter of whether Chase was offering Financial Compensation for re-insertion of derogatory items! 

- It was more a matter of THE LAWS that say companies that do re-insertion of derogatory items ARE SUPPOSED TO PAY Financial Compensation for re-insertion of derogatory items! 

- Victims - like - for example - me - are supposed to receive XXXX $ ( XXXX XXXX dollars ) of financial compensation per re-inserted derogatory item! 



. 

It now seems like they have no serious intention of complying with FCRA - CPA - ADA SMCRA - FACT ACT or other laws in these cases! 

- It now seems like the victims like me are going to have ask lawyers to file lawsuits about these kinds of problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: ALLY FINANCIAL INC.
State: GA
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:
Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

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 2023-08-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I noticed a transaction that I did not do. I looked at my account history and found out that they had been doing it since the middle of the month previous. I called Wells Fargo and submitted a claim of fraud totaling {$11000.00} over 39 transactions. Wells Fargo fraud submitted the claim and said it could take a while to process. Later found out that I was a victim of identity theft, the person or people involved cloned my phone accessed my XXXX had access to both of my banks. Credit cards, debit cards, XXXX and XXXX XXXX accounts. This person or persons drained my XXXX account sent it to my Wells Fargo account and then sent it to my XXXX XXXX account and then sent it the money to themselves. All of the money through XXXX to accounts that don't exist anymore. They maxed my credit cards and drained my other bank account as well. Those have been fixed and reversed but not Wells Fargo! I filed the The claim through Wells Fargo. And then I went and filed a police report as well. Got a message from Wells Fargo denying my fraud claim and said that it was not fraud. I tried to explain to them that yes it definitely was fraud because my phone was cloned and I had to get it completely reset and lost all of my information that they did not just drain Wells Fargo. But they drained my other accounts and credit cards and that I filed the replace report. The fraud specialist told me well. The decision is final and there is nothing that we can do. Your claim has been closed and can not be reopened. I was very mad about how I was treated so I filed a complaint that complaint took me to executive and I filed a complaint there as well. Still to this day they are saying nothing can be done.

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to the bank to open the account but after processing my information, the relationship banker is unable to open the account without giving me any information, they are only giving me the phone number to contact BOFA. I called this number with the option XXXX and the representative told me I have to go to the bank to open the account online which I have already done. I went back to the bank but the banker refused to 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 2023-12-20
Company: Experian Information Solutions Inc.
State: NV
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:
Unauthorized inquiries placed on my consumer report that I gave no permission nor authorization to pull my credit remove the following 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 2023-08-23
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I canceled our XXXX XXXX account and switched to another carrier due to : contract was expired, XXXX breached our contract, and by making changes to our plan that was done without our approval or notification and absolutely horrible customer service. I made a final payment in XX/XX/2021. 
XXXX continued to charge my Wife 's XXXX XXXX on the following date : XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$26000.00} On XX/XX/2021, I spoke with a XXXX representative name XXXX, pronounced " XXXX. '' He was very professional and courteous. After gathering my information and researching our situation, he was able to credit the above fraudulent charges back to my Wife 's XXXX XXXX. I have copies of my Wife 's credit card statement showing the charges were removed and XXXX added them back to my Wife 's card. 
I have received numerous harassing phone calls at home and at work. XXXX then turned over the above amounts that included penalties and interest to multiple collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name address and personal information is not correct at all. I have also been notified that my credit report has been accessed by illinois dept of unemployment security and someone has filed unemployment under my social since during covid. Last payment was paid out in 2019. I have not filed unemployment in the state of Illinois at any time at all.

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 2023-08-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX  card Chase bank account All three of these credit cards and chase bank were used and stolen and accessed without my consent or knowledge I was in the hospital for three months with XXXX  and Im still not sure who took my purse and got all of My information but it has destroyed me completely. Please help .. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank of America prepaid debit card division has been blatantly violating federal and state laws that protect consumers such as myself for over the past year by summarily denying legitimate claims all without an investigation. I have filed numerous claims, some fraud related and some due to issues with overseas ATM machines whilst I was travelling. Customer service, when contacted on the telephone, has claimed that there were thorough investigations, but I am positive that this was a lie. When I asked customer service to send me proof and the results of the investigations, they have been unable to i provide a single piece of evidence. I have received numerous 1 page form letters that state that the documentation used to deny my claims were included with said letter, but none were actually ever included, leading me to believe with certainty that Bank of America were denying claims without thought or investigation, and denying me the due process afforded by state banking laws in California and federal laws under regulation E. When I call challenging their contention that no evidence for investigation was sent me, agents literally have no idea what to do, can not confirm anything other than form cover letters were sent me, and they state that they will file a complaint, which they have done many times, but they are never followed up on by any representatives of the bank. I believe that Bank of America is breaking the law, not investigating, and they or their computer systems are denying legitimate claims intentionally in an effort to save money, with the end result being they are stealing money that should have been refunded me. I have all the evidence I need now to file suit in civil court, with evidence of blank letters with no investigative evidence sent me ( attached below ) and I plan on making claim through the courts if I do not receive my refunds or an explanation within 30 days.

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 2019-11-21
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
When i paid off my loan with Honda, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion has the wrong information on my credit report. I was denied a refi car loan because of them. They had a debt collection on my credit report which is not my debt. I had to get credit monitoring to see my credit report when I was accessing the information on my phone. I got my report and cancelled the monitoring service the same day. They should have refunded me my money because according to the COVID fair credit reporting I am allowed one free credit report every month. I called to tell them I wanted my money back, that I had cancelled the monitoring service the same day I was trying to get my credit report. Their web page is deceptive and does not offer a free credit report unless you sign up for this monitoring service when you use a cell phone to try and gain access to your credit report. They also need to remove old outdated information that is older than 7 years. I do not have any bills for a XXXX debt they have reported so I am disputing the validity of the debt information they have published inaccurately. I have a XXXX with the other credit reporting agencies.

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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Bank of America on XX/XX/XXXX to deposit my pay around XXXX. I had asked my employer to pay me cash because I needed to pay some bills and didnt want to wait for my check to clear. I attempted to make the cash deposit at the ATM and after I inserted my money in the machine, the machine started malfunctioning and went to the home page. It didnt not give me credit for my whole pay. I immediately called Bank of America to figure out what to do. The representative said to not worry, that my cash was safe in the atm and that a claim would be made so that I could get a credit for that money in two days due to the circumstances. She asked to give her the ATM number that was displayed on the ATM, I had to look everywhere and it was not present so I had to look at the other atms so she could disqualify those and see where I was. I waited two days and nothing showed on my account. I called the bank again and they said it was going to take 10 business days for the credit to show, that I wouldnt get the credit until XX/XX/2024. I re-explained I had to pay bills and there was no way I could go through the holidays without any money at all. They said they would try to expedite it and I would most likely receive the credit in 2 days ( keep in mind they had said they would do this when I first filed the complaint and didnt ). I waited the two days and called to see if there were any updates because even though I had requested written updates, none were given ). The representative said the expedited request was denied. I asked for what reason and to be connected to the team that makes that decision. She said, they do not even talk to them and had no way of communicating with them. My account is now negative so I asked if I would get charged overdraft fees when they are the reason why my account is over draft and they are keeping my money interest free. She said I would, and had to keep calling back to ask to please waive the fees but even then it wasnt guaranteed. 
This issue occurred through no fault of my own and yet Im being punished for Bank of America not maintaining their equipment. Now I have to go through the holidays with no money, have no money for bills, no money for rest, have to keep wasting my time calling them to please waive the overdraft fees and give me my money.

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 2023-11-11
Company: WELLS FARGO & COMPANY
State: TX
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 written this letter to dispute transactions that are listed on my consumer report, which you WELLS FARGO disclosed to XXXX XXXX XXXX. The amount is wrongfully listed on my consumer report because i did not give my written express consent to have these transaction disclosed to any consumer reporting agency with respect to the FCRA and US CODE ( s ). INSTITUTION NAME : WELLS FARGO TRANSACTIONS LISTED : VARIOUS TRANSACTIONS I am disputing this unlawful use of my recent transactions via

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours. 
15 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la 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