BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I asked Lobel Financial to cease and desist contact with me about the debt that was paid by my finance charge on my car. Yet Lobel Financial is violating the cease and desist i sent them on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: ERC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Company reported an alleged debt to the credit bureaus on XX/XX/2021 without first sending a debt validation letter to me, which violated my rights under FDCPA Section 809 ( a ). This caused my credit score to drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
It appears that in retaliation for complaint number XXXX filed with the CFPB, that this bank has retaliated against me by turning my cash rewards card into what it labels as a custom cash rewards card, where I have no status with the bank on any of my accounts. And they have completely XXXX my ability to access the cash back deals section of their website. This is in retaliation for the complaint it seems. It should be noted here, that when Bank of America finally responded to the original complaint and said it needed more time, it knew at that time that my credit card was at risk of further fraud, as is evidenced by its receipt of the information and responding to the CFPB by asking for more time. They were fine with leaving my credit card on and subject to more fraud. And then after that they started declining my purchases at every single place I go to, including stores that I frequently go to while they still have bot honored the fraud claim. So theyre just enriching themselves and retaliating against me. They should be refunding my fraud claim but they wont and now they are retaliating. This is a new complaint about the retaliation.

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 2023-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Activated credit card XX/XX/XXXX. First purchase of {$23.00} was on XX/XX/XXXX and posted XX/XX/XXXX. XXXX XXXX call from Citizens Bank that I was past due and owed {$53.00}. I never received the statement and was told by XXXX XXXX that I owed {$53.00}. I went to make a check by phone and asked her what the XXXX was for and she told me she wasn't sure other than that's what the screen told her. I said I never got a statement and she would request a new one. On XX/XX/XXXX my card was declined because Citizens lowered credit line to {$400.00} from XXXX because I never made payment. So Citizens purposely put in a billing cycle on the XXXX and never mailed the statement. I spoke with a supervisor today and wanted her to listen to the call. She advised that it is internal property and she has no idea why they were requesting the {$53.00} and I don't owe anything for {$30.00}. I call the automated system and it states I owe XXXX. I haven't received now XXXX pieces of mail. First one advising the statement, second requested statement, credit line decrease, and next statement. I asked to get my credit line reinstated because of the error or lost mail and now I need a hard pull on credit and it can take 7 days. I asked for XXXX resolution and I have to write a letter to the XXXX of the board. I am upset because they can't tell me the XXXX is generating. I also lost my credit line which means another hard pull and still no mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NJ
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from 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 2023-11-18
Company: EQUIFAX, INC.
State: NY
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 noticed wrong information on my credit report for equifax and XXXX. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. 
If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I chatted back about CFPB XXXX the {$42.00} debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from XXXX I required y'all to stop trying to collect the debt and close the account out and send it back to XXXX XXXX. Client Account Number XXXX and Accounts Receivable Resources Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to TransUnion and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected consumer.

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 2016-10-12
Company: Law Offices of Gary H. Kreppel P.C.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
An attorney representing XXXX sent me an envelope that disclosed my personal information in the window of the envelope. This is clearly a violation which i have a picture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-07-06
Company: EQUIFAX, INC.
State: FL
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Good morning. 
I recently applied for a conventional mortgage with XXXX XXXX XXXX XXXX XXXX XXXX and have been rejected both times for reasons that violate bankruptcy laws. In addition to the bankruptcy laws it is a clear violation against my rights, reporting laws & contempt of court. Due to my physical condition it has impacted me seriously both emotionally and physically as well as financially. 

As a result of my medical condition, I had to file bankruptcy in 2008 which was discharged in XXXX of 2008 in NJ XXXX, XXXX. 

Wells Fargo was listed as a creditor for a {$250000.00} mortgage. 
Wells has reported the loan again on my credit report. I have spent hours in conversation and being jumped around from department to department, letters/emails have been written proving my case to have it removed and still yet Wells Fargo refuses to take the report off my credit. 

I am opening a case against Wells Fargo under Fair Credit Reporting Act as well as pursuing remedy for the financial impact. 

I bring this to your attention because it is another clear violation of the law and their willingness to continue this practice only reinforces the face that the recent judgement against Wells ( XXXX XXXX DOJ ) was not effective

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I requested a funds transfer from my XXXX XXXXXXXX XXXX checking account, to my linked bank account, The XXXX XXXX ( Chime ), in the amount of {$400.00}. Then on XX/XX/XXXX, I requested another transfer of funds, to the same bank account, XXXX XXXX XXXX ( XXXX ), in the amount of {$390.00}. I was supposed to receive the funds XXXX business days later and never received anything. XXXX sent me an email on the XXXX of XXXX stating that my deposit has been returned due to mismatching names on the accounts. XXXX ( Bancorp ) said they never collected any money from First Citizens Bank and to contact First Citizen 's to see when will my money be recredited to my account. First Citizen 's is saying once it's been processed, it's out of their control. Both banks are refusing responsibility for my lost money. I have not been given any courtesy from either banks. No bank has protected my missing funds by crediting me my funds back and have left me in a problematic situation with my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumers right to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2022-06-16
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I Sent A Dispute To Equifax About Accounts Account Number : XXXX Account Number : XXXX Account Number : XXXX I never Received Any Response i Then Sent A Demand To Comply Letter On XX/XX/2022 I Never Received And Response And Then I Sent A 3rd Letter Letting Them Know They Broke The Law By Refusing To Investigate These " Alleged '' Accounts Equifax Also Faile To Update The Remarks On My Credit Report As " Disputed '' So This Means Equifax Did Not File Any Dispute On My Behalf Which Is A FCRA Violation Equifax Has Been Causing Me Mental Anguish By Refusing To Investigate These Alleged Accounts I Want Proof That These Accounts Are In Fact Mine Further More I Never Gave Equifax Written Instructions To Furnish Any Information About Me I Plan To Seek Litigation {$1000.00} Per Violation If They Do Not Make This Right And Remove These Accounts It Has Been Over 90 Days And I Have Not Recived Any Valid Proof Of These Accounts Meaning A Contract Bearing My Signature I Do Not Want Statements I Want My Name On A Contract WIth These Companys And I Do Not Want A E-Oscar Response I Want A Human To Respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: CT
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 for XXXX XXXX XXXX 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXXXXXX XXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness.

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7. 

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ).

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well.

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief