BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I took out 4 Trust Account before Wellsfargo took over from XXXX. I'm missing one. Your office needs to find it. I took one out for XXXX XXXX (Found); XXXX XXXX (Found); XXXX XXXX  (Found) and XXXX XXXX (Missing). I am very disappointed with Wellsfargo Bookkeeping that causes them to loose this account. None of the children (young adults) cannot close out or should have access without my permission or me being present. The last time XXXX Account was accessed was in XXXX XXXX, South Carolina at the XXXX XXXX They need to get their record and the information. If I have to dig, I am going to charge for my time. I have called about this account numerous time. My last time visiting a facility was last week in XXXX XXXX I have filed several complaints with the department of Banking and Insurance and the Consumer Finance Protection Bureau (CFPB) regarding this 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 2022-09-08
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX of XXXX I was contacted by Pioneer Credit Recovery stating that held a student loan in my name but it was in default. They stated that they were handling my account that previously been held by the US department of Education and that the remaining balance was close to {$15000.00}. Within 30 days, without prior notification, nor an opportunity to dispute began garnishing my wages. First and foremost, the biggest issue that I had then and even more now is th reviewing my data report recently at XXXX The Work Numbers website I was able to see that the organization that requested information about my employment information was Sallie Mae, in XXXX of XXXX. I have never had a student loan with Salie Mae or any one else!! I completed my education and received my diploma from XXXX XXXX University in XXXX. Upon requesting documents to support their claim I was sent multiple copies of the same bogus forged and falsified documents that I have never heard of nor seen prior to that day! After requesting any other documentation to support the debt owed, In a nutshell they do not!! Also, I Sallie Mae was never mentioned. Pioneer Credit Recovery Inc seems to believe without doubt that, the debt is legitimate debt. They dont have any official documents to prove that the debt belongs to me They havent proven anything whatsoever but feel that they are within the guidelines of the law!!! Its it is bogus fraudulent Unauthorized documents that someone has falsely obtained and presented as legit.

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 2023-08-16
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX of 2021, I purchased a medical device from XXXX for {$5500.00}. To pay for the device, I was contacted by a representative from CareCredit Mastercard. She told me that if I used their credit card, it would be interest free, because it was a needed medical device, if I agreed to make a payment that they would bill me for monthly and if I agreed to give them permission to take it from my bank account directly. She said after 2 years the charge for the device would be paid off interest free and I didn't need to do anything other then make sure there was enough money in the account to pay the monthly bill. 
I have been trying to resolve this since XXXX of this year as it was 2 years and they still keep deducting a payment from my bank account each month. I've had conversations with them the week of XX/XX/XXXX and XXXX. They also said after more then 2 years I still owed {$4700.00}! I did figure out how to stop them from going into my account. I called their hotline and he said that I still owed them {$4700.00}! How could this be I asked when I have been making the payments that their person said I would need to payoff the device. I've paid {$3700.00} for the past 2 and a half years. Why it doesn't total up to the {$5500.00} I don't know, they obviously made a mistake, as she said at that time that they would calculate the correct amount monthly. 
Now their representative tells me it was my responsibility to calculate the monthly payments. How can that be I asked, I'm a XXXX XXXX, not a loan accountant. I wouldn't know how to do that! I told them that I am not trying to get something for nothing, and I am not trying to pay less then what the device cost, however, I can not allow myself to be taken advantage of either, especially in our terrible economy. 
I told them I've made payments of {$3700.00} which means I still owe them {$1800.00}. I told them I can get this amount for them but they said they wanted another {$4700.00}. That would mean the device would cost {$10000.00}! How could that be. They told me if I don't pay it they will send a collection agency after me. I am worried sick over this, please help,

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 2023-04-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizen 's bank offered a money market account with a specific interest rate if you added a minimum amount of new money to an existing account. This was done and confirmed by the bank but the bank never gave me the new rate and after several conversations of promising to adjust the rate and to also credit me with the over 3 months interest they owe to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: AZ
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:
Credit Card Debt FRAUD from Best Buy purchased by XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019

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 2023-08-14
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Earlier this year, Citibank, without any notice or explanation, closed my long-standing checking and savings account. Around the same time, Citibank also closed my mother 's checking and savings account. Two ( or so ) months later, Citibank also closed my Costco credit card, issued by Citibank. After they closed the checking and savings account, I called ( I learned only when one of my bills were not paid, and I incurred fees because of that ) Citibank wondering why my payment hadn't gone thru ( I had XXXX XXXX XXXX XXXX XXXX in the saving account ). I was told my accounts are closed. I asked for reasons, they gave me none, and told me to go to a Citibank branch. I went to the one in XXXX, VA, spoke with the manager, and she gave no reasons. Soon after, they sent me a letter informing what I already had experienced : that my accounts are closed, and again, the letter gave no reasons why the account were closed. 

Both my mom and I have had impeccable credit record. 

I thought this was just bad business decision by the bank and didn't believe there was anything I could have done to restore my accounts. But I saw recently that CFPB had settled a case with Citibank and penalized the bank for discriminating against XXXX  Americans. I am an XXXX-American, and so is my mom. Her account was opened in XXXX, CA area ( and if I recall correctly, so was mine ). Both our last names end in " XXXX. '' I believe my mom and I were discriminated against because of our ethnicity.

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 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2021 I, consumer XXXX XXXX certified mailed Capital One CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Capital One received each letter on XX/XX/2021. In the Affidavit of Truth letter, I informed Capital One of the violations against me the consumer. Inside of my Cease-and-Desist letter I informed Capital One that I'm now exercising my right of rescission.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction. 

Capital One did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Capital One of their violations by certified mail delivered on XX/XX/2021. 

I do not authorize the repossession of the property. Repossessing the property is a violation of 15 USC 1692d ( 4 ).

I do not give Capital One permission to speak to a third party regarding this alleged debt as that would be a violation of 15 USC 1692c ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the process of creating my account for Experian, I am always denied creating an account with Experian to see my full credit report. I have attempted to reach out to Experian multiple times via email, but I never get in contact with anyone and am always redirected to an FAQ screen or a pre-written automated response. At this point, I am not given a reason as to why I am denied account creation, which means I am being denied access to my credit Experian credit report. 

Under the Fair Credit Reporting Act : You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request. 

As of this time, Experian hasn't given an official response to my issue and I've never been able to view my Experian Credit Report since the existence of 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 2023-02-07
Company: TD BANK US HOLDING COMPANY
State: IL
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 submitted an affidavit of truth regarding TD Auto Finance furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from TD Auto stating that the credit reporting is accurate.

I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to get my credit report from XXXX, XXXX  or Experian, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: PA
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:
According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 

XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX Account XXXX XXXX XXXX I was never Late XXXX XXXX XXXX XXXX Unverified Account these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. 

XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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