BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 Re : Complaint Against Citibank Costco Dear XXXX, I am writing to file a formal complaint against Citibank Costco due to what I believe is a severe violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The FDCPA, enforced by your bureau, is designed to protect consumers like myself from abusive, deceptive, and unfair debt collection practices. In violation of these protections, Citibank Costco has been subjecting me to harassment through their persistent, and I believe excessive, phone calls. 
For the past four months, I have been receiving approximately four calls per day, seven days a week, totaling over 330 instances of contact. This number significantly exceeds the suggested '7x7 rule ', implying a limit of seven calls within a seven-day span.

This excessive contact has occurred without my written consent, constituting a further breach of the FDCPA, which prohibits such communication without explicit permission from the consumer. 
As a result of these violations, I am seeking damages of {$330000.00} This amount has been calculated based on the understanding that creditors can be held liable for up to {$1000.00} per violation. These repeated intrusions have caused considerable emotional distress and disruption in my daily life. 
I request that the CFPB conduct a thorough investigation into these practices. I am prepared to provide further evidence and documentation upon your request to substantiate my claim. 
Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your assistance in resolving this issue. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-02-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-01-02
Company: Experian Information Solutions 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:
My name is 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 explanation
Consumer complaint received 2023-07-26
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Midland Credit has sent me paperwork for this account, but they are bills/statements that show payments were made. There is no contract, no address verification, no name verification, IS or anything sent that provides that this account belongs to me. Statements do not prove that it is me. I am not aware of what account was used to make these payments or anything. 

The address and the name are slightly off as well. My middle initial is not included as reflected on my credit report and the address is missing a number. 

Again, please remove this fraudulent account from my report asap. Ive disputed this several times already. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: GAMACHE & MYERS, PC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted a complaint with the three credit bureau well over XXXX  days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2023-01-02
Company: OneMain Finance Corporation
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a couple of inquiries that I did not apply for and have no idea how they got there. On XX/XX/XXXX I noticed somebody tried to take personal loan out for one main financial, XXXX XXXX and XXXX XXXXXXXX XXXX credit card on the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2022, someone opened an auto loan through Bridgecrest under my name. The initial balance was {$27000.00} to be paid over 72 months. 
They did 11 credit checks with my information. 
They had on time payments for XXXX, XXXX, and XXXX. They did not pay XXXX or XXXX. They paid XXXX, then missed XXXX, XXXX, and XXXX payments. This resulted in a repossession in XXXX. The amount past due was over {$27000.00}. 
The auto loan, credit checks, multiple late payments, and eventual repossession have caused extensive damage to my credit score. 
I, XXXX XXXX, am in no way associated with this account or its payments or credit checks. I have no idea what car was even purchased with this loan.

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 2023-02-14
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/XXXX I noticed several checks written against my account, signed by an unauthorized person and cashed from account. Several checks went through in the amounts of {$900.00}, 2 checks for {$700.00} and one for {$500.00}. Filed police report ( XXXX ). Spoke with XXXX XXXX at the bank and stated I was going to have this money sent back into my account within 7-10 business days. Then, the status changed where I needed to sign a form, have it notarized and sent back to state employees credit union. I'm currently in sc ( travel nurse ) and explained this to the representative. They couldnt send these forms to my address, it had to be the one on file at the bank. I filled out the forms, notorized it and sent it in. End of XXXX, I receive a phone call from assistant bank manager. Called back, no response in XXXX. Called back 3x more, still no return call until XX/XX/XXXX stating it's been too long and the credit union no longer can assist me past 60 days. Now I have to go after the person who stole money out of my account with CLEAR checks that were written without my signature, name, authorization and even printed in checks with incorrect spelling. I need assistance to get my money back that the credit union did not protect or follow through with protecting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-04-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
These people answering my wells fargo complaint. Still refuses to understand anything. Wells fargo didn't use their cause that they can close my account until XXXX XXXX lied about me falsely accusing me of harassing her. They failed to look at the security footage that last day I was in the bank. I was being made to travel back and forth to the bank, because they refused to open me a new checking account over the phone. But this was a set up for XXXX XXXX to falsely accuse me of harassing her. Wells fargo has never statated how I have harassed her because she harassed me and falsely accused me. All these managers keep saying to me is that the bank had a right to close my account. Well they weren't exericing their right until XXXX XXXX lied to them that I was harassing her. But they refused to look at the security footage which would had proved I didn't harass her. The police didn't do nothing to me either, because they saw I was talking to my own banker that day. I never harassed XXXX XXXX, she harassed me. They just need to be shut down as a bank for their continued criminal behavior. 

This is why they had me going back and forth to the bank. So they could do this dirty thing for me and get rid of me. So XXXX XXXX put herself at the bank to falsely lie about harassing her. Wells fargo refuses to do anything or compensate me for their actions of their employee XXXX XXXX. 

The police didn't even back XXXX XXXX that I harassed her that day. But wells fargo wants to back her up and be against me. I am sick of being treated this way.

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 2023-10-13
Company: SOUTHSTATE CORPORATION
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Received {$100.00} gift card as a reward from prior employer. Card was temporarily misplaced. Upon locating gift card indicated XX/XX/2023 expiration date. Card issuer Center State Bank refused to re-extend expiration date and back of card terms fail to indicate that gift card cant or wont be extended. Customer service personnel also failed to provide phone number of company that initially funded said gift card and therefore unable to contact business and request of them to re-extend or reissue card with updated expiration. Viewed gift card terms as : use it or loose it. Unacceptable. Gift card is noted to carry the XXXX trademark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America was charging me so many fees and holding my reward

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until midnight of the third business day.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. 
These companies have REFUSED to work on disputes even though they are required by law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting a complaint to follow up on the dispute regarding the accuracy of my credit reports, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As mandated by the FCRA, it is the responsibility of credit reporting agencies to ensure the accuracy and timeliness of information reflected in credit reports. I am urgently requesting a thorough investigation into the following accounts to rectify any inaccuracies within my credit reports. I kindly ask that the necessary updates be made promptly, ensuring the accuracy of my credit reports within the upcoming 15 days of the scheduled credit report updatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
About a year ago I went to a car dealership named XXXXXXXX XXXX XXXX or XXXX XXXX XXXX- one of the two- and decided to purchase a decent vehicle. no longer after 4 days of using the car, it had flaws and by my mistake regretted purchasing the car and decided to return it. 

they were refusing to take back the car, but we were honest about the quality and that it was not how we expected it to be and said we kindly want to return it and it did not matter to me if my credit would be at risk. 

They said through the phone time and time again that they were going to fix it and cancel my contract with XXXX XXXX. The dealership kept the car promising that they were cancelling all contract with that particular bank. 

Fast-foward, I come to find out that they are using my social and credit to keep the money and the car while they are confidently running my social. 
They permanently close shop and it wouldn't be a surpise if they did this to other clients.. 
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 non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$8200.00}.

Company response to consumer: Closed with non-monetary relief