BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: TX
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:
Formal Complaint - Citi Credit Card 's Failure to Protect Consumers and Unresolved Charges Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Protection Agency concerning an ongoing issue with my Citi credit card and unauthorized charges made to XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX in the amounts of {$1700.00} and {$1100.00}, respectively. 

Despite my numerous complaints and substantial evidence proving that XXXX XXXX did not complete the promised repairs nor resolve the issue at hand, Citi Bank has failed to protect its consumers from unwarranted charges. The primary concern was a malfunction in my car 's air conditioning system, which persisted even after the services were supposedly rendered. As a result, I was compelled to return to XXXX XXXX on XX/XX/XXXX XXXX XXXX with the same recurring problem. 

The transactions in question were executed without my informed consent and are an egregious violation of consumer rights. I have diligently attempted to address this matter through Citi Bank 's customer service channels, providing substantial evidence and records of communication with XXXX XXXX. Regrettably, the resolution provided thus far has been inadequate, leaving me financially burdened and utterly dissatisfied with Citi Bank 's handling of the situation. 

I find it deeply disconcerting that Citi Bank has overlooked the glaring evidence presented to them, neglecting to rectify the unauthorized charges and protect its customers from such unjust practices. This incident not only undermines my trust in the institution but also raises concerns about its commitment to consumer welfare and satisfaction. 

I request that the Consumer Protection Agency conduct a thorough investigation into this matter, taking into account all pertinent evidence provided in the enclosed documentation. I urge you to hold Citi Bank accountable for its failure to safeguard its customers ' interests and to enforce appropriate measures to rectify this situation promptly. 

My pursuit of a fair resolution is not only in my best interest but also in the interest of all consumers who deserve the protection and integrity that reputable financial institutions should provide. 

I sincerely hope that the Consumer Protection Agency will act expeditiously and diligently to address this complaint and ensure that consumers like me are treated with the respect and consideration they deserve. 

Thank you for your time and attention to this matter. I anticipate a prompt response and a just resolution to this unfortunate situation. 

Yours faithfully,

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid settlement XX/XX/XXXX they then tried charging me the rest without my knowledge XX/XX/XXXX after I made settlement and lying that i wanted to pay in full and I keep getting harassed.

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 2023-08-05
Company: WELLS FARGO & COMPANY
State: TX
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:
I sent in disputes in the past about fraudulent bank accounts being opened in my name as fraud and Identity theft. Please update my information to reflect accurate.

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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I requested Kohls discharge or offset the balance on my kohls.com to the US Treasury in accordance with Public Policy HJR 192 of 1933 et al. However, Kohls has ignored my written requests, they have kept the documents provided to them needed to perform the discharge ( i.e. two 1099a forms, two remittance coupons, affidavits and notices of acceptance for value ) and they continually call me without my permission. When I reach out to them via online messaging they refuse to provide me an opportunity to follow up with them via email in order to preserve my rights. I am submitting in PDF a copy of the documents ( Notices of Acceptance for Value, Affidavits, 1099a, remittance coupon, exhibit ) sent to them via certified mail in XXXX, XXXX and XX/XX/XXXX and proof of delivery via the USPS website. 
As proof that the balance is supposed to be discharged and returned to the US Treasury please see the following laws : All debts are the obligation of the US Treasury as shown in 18 USC 8 Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness,, coupons, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The term coupons refers to the same coupon all credit card companies such as Kohls issue every month to consumers which is the detachable stub at the bottom of each months billing statement. 
As further confirmation that debts are the obligation of the US Treasury see 31 USC 23 or 31 USC 3123 Payment of obligations and interest on the public debt : ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt XXXX XXXX XXXX According to XXXX XXXX of XXXX the gold standard was suspended and the requirement of a particular type of payment is inconsistent with the declared policy of congress. Every obligation shall be discharged. 
Whereas the holding of or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction : Whereas the existing emergency has disclosed that provisions or obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United Statesobstruct the power of the Congress to regulate the value of the money of the United States, and are therefore inconsistent with the declared policy of the CongressEvery obligationshall be dischargedThe term obligation means an obligation ( including every obligation of and to the United States ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion Information Service LLC has violated my rights to privacy according to the FCRA Consumer law.15USC 1681 ( 3 ) ( 4 ) Transunion Information Services are reporting an account. From XXXX XXXX XXXX XXXX XXXX account ( XXXX ). I disputed an account for XXXX with Transunion Information Services in XX/XX/2022 and it was removed XX/XX/2022. XXXX XXXX XXXX came back and added another account number and re reported an account that was already removed. I have litigated with Transunion in the past. I have been denied a business loan as a result of this account reappearing on my file. This account is opened fraudulent. Please delete this fraudulent account from my credit file.

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 2022-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed outta {$400.00} but my bank refused to refund the scammed money from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-08-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed on after attempting XXXX Programs and modifications. We were later told our mortgage payments had been mis-applied to another customer with the same last name 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 2023-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
On XX/XX/23 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a car with Wells Fargo they add gap insurance for 8months even though I had insurance and when I couldnt keep paying they repossessed my car. 
This was in 2015

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 2023-08-07
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sa 715,719, I presume that no proof of the alleged debts nor therefore any such debts, in fact therefore exists. 
{$220.00} debt from CREDIT COLLECTION SERVICE XXXX XXXX XXXX in company ) and XXXX XXXX XXXX XXXX Other for {$380.00}. 
Those two messed up my credit score every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: LA
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: LA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: LA
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NC
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After I suddenly started getting fees on my savings account, I checked the rules and didnt understand how I violated them.It looked like I was following the rules so I contacted Wells Fargo . Wells Fargo employee said I wasnt depositing money every month.I had never deposited monthly into my savings. They ended up giving me back one fee but that was after I threatened to take my banking elsewhere.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Got an email stating if I had Wells Fargo during XXXX that I qualified for compensation so Im submitting the info I had a Wells Fargo account at this time frame

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I inquired about raising my credit limit on my XXXX XXXX XXXX through their website. I accidentally hit yes to agreeing to a credit pull and I did not want to do that. I first called the XXXX XXXX card to request they remove the ping on my credit because it was done by mistake, and they stated they couldnt that I would need to submit all this paperwork and copies of my credit reports to them which I thought was a little too invasive. So instead, I contacted TransUnion and informed them of the same mistake and they too want me to send all this information, but first send a letter to XXXX XXXX, copy their response, send it back to them along with a cover letter and written statement why this was a mistake. I found that way too excessive over XXXX mistake! Im only requesting that the XXXX hard Inquire on XX/XX/XXXX be removed from my credit. I have snapshots of the entire convo via text between me and TransUnion. Also, my name is wrong on their site. They have me as a XXXX XXXX XXXX but I do not have a middle initial.

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 2023-08-07
Company: EQUIFAX, INC.
State: TX
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 belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX - XX/XX/2023 - Hard inquiry that was not authorized.

Company response to consumer: Closed with non-monetary relief