BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 my mother was scammed into withdrawal funds from her checking account. The robbers told a convincing lie and she, who is XXXX, wound up driving them to her bank, First Citizens Bank, and convincing her to take out {$15000.00} in cash from her account. This is a rarely used account with little activity, and no large cash withdrawals of this type. The bank should have seen this as a red flag on the activity alone, also on the potential elder abuse for her to withdrawal such a large percentage of her account and give it to her all in cash same day. They did not make her fill out any extra documents for a large cash withdrawal, schedule a time to come back and get it, give her a cashiers check, or ask more questions to understand that it may be fraud. 

After the robbery occurred she immediately filed a police report and then went back to the bank. Bank branch essentially said sorry not my problem and directed her to an XXXX #. After going in circles with the XXXX # 'investigation ' which of course found them to be at no fault we were not provided copies of the video or any detailed transcripts of conversations that the teller had with XXXX about why this {$15000.00} may be a red flag or evidence of fraud/ put her at high risk of robbery. 

This is also a joint account and the joint owner was not made aware of this request, or the teller did not think it was strange that XXXX requested the money 'to help her daughter ' when the daughter is a joint owner with XXXX XXXX Unacceptable that the bank would have so little training on elder abuse, fraud, and red flag transaction for large cash withdrawals, and then after a traumatic robbery essentially say too bad not our problem and give no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got a car repoed about 3 years ago why am i still receiving mail saying that I owe from debt collectors.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-29
Company: EQUIFAX, INC.
State: SC
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 a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; Medical XXXX Balance : {$73.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ALLY FINANCIAL 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose. 
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 2022-09-29
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit systems keeps harassing me. This is showing on my credit. I do not owe them. They purchased this from another company and are violating my rights. It has already been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MD
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:
I contacted all three credit bureaus ( XXXX, XXXX, and experian ) to have my personal information corrected on numerous occasions. Yet this problem has not been solved. My name, address, date of birth, and employment history are all inaccurate. I also requested that the fraud alerts on all credit bureaus be removed serval times and it hasnt. This is a major issue being as though it has an old phone number on it which jeopardizes my credit profile.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: SC
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 a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.

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 2022-12-12
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a Macy 's account showing on my XXXX and XXXX credit report dated XX/XX/2014, for XXXX I don't know how this debt can show on my report exceeding 7 years. I've reached out to the company and they show no debt in my name yet it is on my credit report. I've tried to dispute this on XXXX and nothing has been accomplished. This debt is hindering my credit.

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 2022-09-29
Company: U.S. BANCORP
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an auto loan showing. I dont have any auto loans at this time. I bought the XXXX XXXX with cash and I have the title. It states US Bank # XXXX. Auto loans or leases Total balance : {$15000.00} US BANK Balance {$15000.00} Balance updated XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX I would greatly appreciate any help you can give to get this removed from my credit report. Thank you, 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 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX XXXX. 
I am submitting this complaint on my own behalf. 
I received documentation from Bank Of America that I owe them a debt in the amount {$1200.00} Account ending in XXXX I requested Bank Of America to Validate alleged Debt pursuant of 15 U.S.C 1692g I requested the following : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and Bank of America, that prove I agreed to pay the alleged amount. 
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 


Bank of America received my request for validation of the alleged debt on the date of XX/XX/2022 via certified mail Please see attached certified mail return receipt Bank of America responded XX/XX/2022, but failed provide adequate proof or validation of the alleged debt. ( As seen in there response uploaded as an attachment to this complaint XXXX Bank of America has violated my federally protected consumer rights by failing to validate the alleged debt upon request from me, the consumer. 

This account needs to be deleted from the records of Bank Of America and any /all affiliated companies records ; needs to be removed from all major credit reporting agencies. ( 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 2022-09-29
Company: EQUIFAX, INC.
State: CA
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:
This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Sonnek & Goldblatt, Ltd.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sent out several affidavits to XXXX XXXX XXXX and Sonnek & Goldblatt. I also sent a cease and desist telling them cease all forms of communication and they still have yet to do that. They have also failed to lawfully validate this alleged debt and they are refusing to pay the attached invoice as well. However, they are now garnishing my wages and I do not consent to these proceedings. I'm sure a court hearing with all the facts and exhibits brought forth will show they are in default by failing to properly respond to my affidavit ( s ) and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car XX/XX/2021, from Kia Motors XXXX, CA. But according to 15 U.S. Code 1605 - Determination of finance charge this code states that there should not be a cash down payment for consumer credit transaction. Kia reps continuously call and harass me on a daily basis. I already submitted {$4500.00} as a down payment ; I was not aware till further research that a down payment is not necessary upon a car purchase agreement. As a result, I would like to be refunded the initial {$4500.00} immediately.

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 2022-09-29
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been charged {$130.00} plus late fees and interest for a fraudulent purchase supposedly made by me on XX/XX/2022 for XXXX XXXX XXXX in XXXX, AZ. I have complained to the credit card company about this in z XXXX, XXXX, XXXX and XXXX. This has not been resolved and they continue to bill me for the fraudulent purchase plus late fees and interest. Even a simple XXXX search shows that the XXXX XXXX XXXX does not exist and others are also complaining about being charged for this non-event.

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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, my wife and I submitted a Certificate of Trust form to Capital One to convert our existing savings account to Revocable Living Trust ownership. We paid {$30.00} to get the form notarized. On XX/XX/XXXX, we received a message from Capital One stating " The Certificate of Trust form you sent us is incomplete and couldn't be processed ''. I contacted Capital One for more clarification, and they stated they couldn't process the request because the trust name was too long as it exceeded 120 characters. However, the form doesn't mention this limitation and actually allowed me to type in more than 120 characters. The customer service agent stated that I would have to submit a new form with a new notary signature. I shouldn't have to spend the additional time and money resubmitting this form with a notary signature as there was no indication of the character limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had my student loans since 1997. The principal was originally around {$24000.00}. It has been sold a number of times to different banks. I have made payment on XXXX 's, used forbearances and everything within my ability to make payments. I've ask Navient for information regarding payment historys, but with the loans being sold so many times, i've never gotten close to 20years worth of repayment in order to be forgiven. OR so i've been told. I've raised my 3 children on a single income for the past 20 years and still have made payments on time, every time. 

I was never told that i might qualify for a {$0.00} dollar pymnt using an XXXX rather than allowing the forbearance to build in interest. 

I want to payoff this loan, but ... the {$60000.00}. balance is insane. I have asked Navient a number of times, what I can do and they do not have any options out there for me other than the XXXX. 

I need this loan to be recalculated and looked into by someone. Since its handled through Navient, i don't think I will qualify for any of the government assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my bank on XXXX XX/XX/2022 with no warning or reason still had XXXX dollars in it and Im afraid my daughters ssi check will go in this closed account Friday cause they didnt give me enough time to change bank just did that today XXXX XX/XX/2022 and has to be done before the XXXX of every month Im afraid they will try to keep her ssi check plus my XXXX dollars in the account they closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Credit Control, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
As I stated many times over anything to do with Missouri credit cards are forms of harassments because I told these folks do not contact me, email me, and mail me as it took almost 6 years to get my credit report the best scores I could get in a long time. I think the best thing for this to be resolve is to not ever contact me whatsoever so just delete, erase, and remove this debt off my credit reports cause I owe you nothing. 

Furthermore I resent the implication, that I am being falsely accused of a debt, that is lingering, and passed around to third parties of all types threatening me with financial burdens, that I don't even owe where it is bad enough I have blocks on my credit report let alone disputes of all types, and creditors wanting me to purchase their credit cards, and cyber hackers trying to steal, and get credit cards in my name.

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 2022-09-29
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CIG clearly is represented by individuals who are XXXX  of the laws which govern the company. XXXX  however, does not excuse unruly behavior in commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation