BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
being under " Forced Action '', threat, and XXXX, I was not given full disclosure of contract. I was not presented with a " True Bill in Commerce or security Agreement. Company was sent a Accord and satisfaction letter with tenderized payment, along with General Release of Liability Agreement and Affidavit of Demand for Verification of Debt. But no response for demanded documentation requested. 

Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to enforce payment. 

" any attempts to collect further payments on my automobile loan will be construed as " XXXX XXXX '' evidence of committing fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Central Portfolio Control Inc.
State: TX
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Sears credit card ( CITI ) Over the last year I have used this card more often. The problem I was having is my bill arrives 4-5 days before it is due. If the bill was mailed out at the beginning of the month and it took 15-20 days to arrive. How am I going to get it to them on time? Its always late and fees and interest are always tacked on. I have requested on many occasions that the charges be removed and that my bill be sent out sooner. It is virtually an impossibility to achieve the deadline. I get the feeling that this is fraudulent or at best a shady scam to charge fees and interest. There is no consideration for the consumer here I feel. 
Now lets look at the US Mail service. After Covid things have changed. I have sent mail 20 miles away and it has not been received for 7 plus days. So how is my bill going to get here in a timely manor from 5 states away? For those of us who use this system can we get a little understanding? It has always been reliable and secure but I see its days are numbered. For the consumer and the Vendor. 
I am not the first or will I be the last to see where this is going. If you wish to retain customers find a solution to this problem besides greed and rigid policy. 
For those of us who have witnessed the damage of personal identity theft. Technology is not the best answer and I would like to protect myself and my family from this possibility. 
Thanks for your time and consideration 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 explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The owner of the acct is XXXX XXXX XXXX. She opened up the accounts savings and checking, with the full information from the Citi Bank Official, Ms. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, Fl XXXX with a Ph # of XXXX. 
Ms. XXXX, explained the same thin I knew through my son-in-law, XXXX XXXX XXXX, that he and my Daughter XXXX XXXX XXXX, knew from another branch and their Rep. XXXX XXXX, that this Citi Gold Acct, that would pay {$1500.00} after 60 days of investment to me and my son in law would get {$200.00} for his referral of me. The {$1500.00} would be paid between the 60th and 90th day, but so far Citi Bank has only paid the {$200.00} to my son in law, but nothing to me at all. There seems a lack of communication, because No additional paper printouts were given to me, until another Ms. XXXX XXXX, of XXXX XXXX XXXX, XXXX, Fl XXXX started sending paper work to me after the fact that both the 60th and 90th days had gone by and still I haven't received my {$1500.00} in both my savings/checking accts. 
It has been explained that my son in law Mr. XXXX and my Daughter received their {$200.00} referral money after their 60th day and got their {$1500.00} way before their 90th day. 
So why am I being treated differently??? That's why I'm making this complaint with the Office of the Comptroller of Currency, to get what belongs to me!!!! Other complaints made to Citi Bank in XXXX XXXX, Tx are these following complaints are # XXXX. This one says that yes my money should be paid out, but it hasn't, so what is the hold up?????, the other referral is XXXX, which in a letter says, We have conformed that your account has met the necessary requirements to qualify for PROMTION XXXX, so You can call the SAT Office at tell them to issue my money IMMEDIATELY!!!!!!! 
It's unbelievable that a bank that makes {$20.00} XXXX every quarter according to Wall Street Reports acts this way from people who are honestly trying to make some money from LIFE SAVINGS!!!! 
I urge to please put pressure on CITI Bank, on their practices and resolve this issue with 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 monetary relief
Consumer complaint received 2021-10-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I initiated a {$290.00} funds transfer on chase.com from my XXXX XXXX XXXX to my Chase XXXX. ( The XXXXXXXX XXXX  XXXX was verified a few weeks ago by Chase via trial deposits, and a transfer had previously been made from my XXXX XXXX to my Chase XXXX, via chase.com. ) An hour or so later, I received the following e-mail from Chase : Transfer Cancelled We encourage you to sign in to read your Secure Message because it contains specific information about your account. 
View your secure message in two ways From Chase Mobile, go to your profile and choose " Secure Message Center '' At XXXX just sign in to your account. 
The secure message will expire on XX/XX/2021. '' I logged in to Chase.com, and received the following message : " Important : We locked your account due to suspicious activity. 
To unlock it, call the number for your account or reach out to your servicing team. 
Chase Personal or Chase for Business : XXXX Chase Connect : Contact your client service representative Keep in mind : You won't be able to see your statements and notices until we unlock your account. '' I spent a full 3 HOURS waiting for someone at Chase to come on the phone. " XXXX '' told me that this was a RANDOM verification that Chase was making. XXXX  then asked me what number he and I could call at XXXX XXXX, to verify I owned the " from '' account. Fortunately, XXXX came on the bank in just a few minutes, unlike Chase which took 3 HOURS. XXXX verified I was the owner. 

Here is the issue : IF CHASE IS GOING TO RANDOMLY VERIFY ACCOUNTS TRANSFER, AND LOCK BANK ACCOUNTS, THEN THEY NEED TO ADEQUATELY STAFF THEIR CALL CENTER. It is absurd and horrific customer service to randomly lock me out of my bank account, and for me to have to take 3 hours out of my work day to get my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I paid the balance {$330.00} on my credit card from my checking account ( same company ). Normally the available balance adjusts accordingly. It did not. I waited until the next day to check, still not updated. I called the credit card company and they said my account was on a 26 day hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
Unauthorize inquiry from company 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 non-monetary relief
Consumer complaint received 2021-10-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I had an existing loan with cash 1 from a few years ago. I paid on time and never defaulted. Over the summer of 2021 they stated that I renewed my loan and re-borrowed over a XXXX dollars. I explained that over the summer my phone was stolen along with my bank cards, I had a wallet phone case. I cancelled all cards and advised cash1 that they withdrew the wrong monthly payment amount. They stated that I borrowed more so my loan went up. I asked them for documentation to prove that it was me who asked for the loan, they couldn't provide it. In the past they've asked for a car registration, id, bank statements, a current paystub, and 3 references which they call on the spot. I spoke to their legal team who were condescending and lied that they had me on tape walking in and getting the loan. They also lied that they had current documents to support that I asked for that refinanced loan. They haven't provided any documents to support their claims and refuse to negate the new balance. They also went on to verify a new employment of mine and stated they could garnish wages meanwhile they never contacted me about resolving this issue prior, which I know is illegal. They now won't take my calls which is odd since they harassed me all the time in the past years even though I was making timely payments. They're preditors and do shady business. High interest loans that exceed the norm. I want them to remove the fraudulent loan. I would be willing to pay the original loan from a few years back without the fraudulent loan added on although, due to their extremely high interest, I've already paid that loan over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. I've even had the assistance of several restoration specialist from XXXX in particular aid in this endeavor. Yet as of today these items and many more now are still present on my credit report that serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of XXXX and transunion to throw up federal laws in regards to my identity theft case that's prevented me from securing funding for my business as well as to purchase a vehicle. I'm a single XXXX   of XXXX  XXXX  without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity the victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other practitioner accounts for added to my reports with malice. In those situations some of the same items that are on my credit report in XXXX some which were deleted as a result of the shoes they are now resurfacing again on my credit report and valid debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far transunion and XXXX particular have not accepted that responsibility.

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 2021-10-02
Company: ALLIANT CREDIT UNION
State: MO
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:
Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at Alliant Credit Union in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted ACU and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Previous complaint filed with you guys XXXX This is ridiculous the bank keeps saying.they need more time but there are time-frame to follow and they're not. So what do you guys do to help??? It's been 2 or more months since I first filed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid 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:
Filed a dispute with Capital One XX/XX/XXXX about a music fest that closed and the company went insolvant and no longer a company they gave me provisional credit for that music fest and applied it to my account balance but dod not give me the credit in my available credit for the past few months I have called about it and every time i get an update its different every single time i get the runaround. I closed my account with XXXX his id # id XXXX he claims hes a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage is under my name, but we are both on the title to property located at XXXX XXXX XXXX XXXX. Originally, the mortgage was through XXXX XXXX but was sold to Wells Fargo. The XXXX homes on the property were burned down because of the wildfire in XX/XX/2022. We informed Wells Fargo that we wanted to keep the mortgage because we planned to rebuild. Every time, however, that I have spoken to them, it feels as though they are pressuring us to pay off the loan and refinance with a higher interest rate. We don't want to do that. They have then been giving random and often untrue reasons for them not letting us keep the loan -- one was that the homes would be modular, another was that there would be multiple homes ( there were XXXX homes on the property when Wells Fargo bought the loan ), and the one most recently was that they would be XXXX -- which they are not -- one is over XXXX sq ft, the other is about XXXX sq ft. A third is at about XXXX sq. ft. WF has a copy of our proposed site plan as well as plans for each of the homes. What is even more troubling is that Wells Fargo has retained and has not delivered to us money owed to us. The outstanding loan balance is {$280000.00} and WF received a check for {$540000.00} and some change. They are to send us the amount not owed them, which is about {$260000.00}. We need that money to secure purchase of the homes we are getting. Our complaint about retaining the loan has been escalated, but we keep getting extended deadlines for resolution. That issue, however, should not prohibit them from sending us what is owed to us. We chose to go modular/manufactured because of the current cost to rebuild a site/stick home is very expensive and the timeline is beyond what insurance would allow.

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 2021-10-02
Company: Experian Information Solutions 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:
Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 3. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 4. The account status is unverified and incomplete DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 5. The following status is Incorrect and unverifiable DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 6. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 7. there is some inaccurate information reporting. 
DEPTEDXXXX  Account Number : XXXX Please remove this inaccurate student loan from my report 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX 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 non-monetary relief