BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, the consumer and natural person was denied credit by American Express. When I applied for the American Express Unlimited Credit Card. When I spoke to an agent from American Express I was told because of my credit report. That is in fact discrimination. Also according to the Federal Reserve Act when I filled out the application for an credit card. The notes were giving the only problem is I never received anything from American Express. Also Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act 15USC 1691c and is pursuant to civil liability under 15 USC 1692k American Express is criminal liable for violating 15 USC 1691 as I have proof that I was discriminated against. American Express is in violation of 15 USC 1642, 15 USC 1681m and 12 cfr 1002. Because I'm the consumer made an application in good faith, but credit was not issued. Also my social security card ( credit card ) was used and I received no benefits. This is proof of Fraudulent Activity. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for use of my own credit card I will indeed make American Express criminally liable for actual damages. 
By : XXXX, XXXX agent For : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 

I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received.

Truist Bank is in violation of 15 U.S Code 1642, U.S.C 1681a, U.S.C 1681m, and Title 12 ( CFR ) Part 1002, because I, the consumer, made an application in good faith, but credit was not issued.

In addition, Truist Bank is in violation of 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, am the creditor and I, the consumer, have an open-ended consumer plan, as well as an unauthorized use of the credit card which resulted in a loss. 
Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank. 
If Truist Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make Truist Bank criminally and civilly liable for all actual damages pursuant to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( 0 ). 

Futhermore I am writing to you today to request your immediate attention to my loan application and invoice payment. I submitted my loan application on XX/XX/2023, and attached all of the required documentation. I also provided you with an invoice for {$11000.00} that is due on XXXX XXXX as well as the loan for {$5000.00}. 

I have been awaiting hearing from a client advocate about the status of my application, but I have not received any updates. I have also tried to contact a client advocate on several occasions, but I have been unsuccessful. 

I am very concerned about the delay in processing my loan application and invoice payment. This delay has caused me significant financial hardship. I have been delayed in paying my bills without this loan, and I am accruing late fees on the invoice that I have sent to you. 

I am requesting that you please review my loan application and invoice payment immediately and take the necessary steps to approve my loan and issue payment. I would also appreciate it if you could contact me as soon as possible to provide me with an update on the status of my requests.

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 2023-11-26
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. My lease was for 36 months or for XXXX miles whichever comes first. I paid off the entire lease amount up front when I signed the lease contract. My lease contract shows the details. Because I used the car a lot, I had to return my car early in XXXX because the car gained almost XXXX miles. About 2 to 3 months ago, I received a billing statement from GM Financial. The statement says I owe {$660.00}. I called GM Financial to find out what the amount was for. I was told that {$390.00} was for " disposition '' fee and the rest was for XXXX tax for the disposition fee and some interest which they couldn't even explain to me. I paid the disposition fee of {$390.00} online, however, GM Financial insisted me to pay the state sales tax for the disposition fee. I never heard of imposing state sales tax on the disposition fee. In fact California 's " Regulation 1660 -Leases of Tangible Property - in General '' shows that sales tax should not be imposed on a leased vehicle. I emailed a copy of my lease contract to show I do not owe any money besides the disposition fee. GM Financial told me they will have to review my case. After a day or two later I found out that GM Financial reported to credit bureau that I have a delinquent payment. I've been maintaining excellent credit, however, due to their report to the credit bureau, my credit score plunged. GM Financial didn't even inform me that they were going to report to the credit bureau. I called to complain but they told me pay off the rest of the amount ( XXXX ). Again, I told them to review the documents I sent via email. They told me that they would review and let me know. I received another billing statement about XXXX weeks ago showing that I owe {$260.00}. I called GM Financial again on XX/XX/XXXX and ask them to explain to me what the charge is for. The person who answered my phone informed me that her manager would call me in the week of the XXXX of XXXX. Today, I received an email from my credit card company saying my credit score has gotten worse. My credit score dropped to 600 range. I was keeping at 800 range all the time, but GM Financial, without notifying me or giving me any details for the billing statement, reported me to the credit bureau for delinquent payment. I am really upset and this is totally unfair. How can GM Finance reported me to the credit bureau for delinquent payment while I was disputing the charges ( general excise tax on disposition fee and interest fee they couldn't even explain to me ). 
My lease contract clearly shows that I paid off the entire leasing amount. I don't owe any money to GM Finance. GM Financial should revert the action by recovering my original credit score. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Jefferson Capital LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Jefferson Capital collection letter, dated XX/XX/, will be sent to Jefferson Capital electronically via Jefferson Capitals email XXXX, CFPBs portal and to the address referenced above, via certified mail, for record keeping purposes. I do not owe this debt or any debt to Jefferson Capital or to any third party Jefferson Capital is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. 

Additionally, per FDCPA, notifications of dispute must contain the following : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ).

The notice which I received failed to include the majority of the aforementioned, in violation of FCRA and FDCPA. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
I received my ChexSystems report and noticed a inquiry from XXXX XXXX on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute

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 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I Have 3 AMEX ( American Express ) prepaid gift cards I have attempted to use in multiple locations ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ). All show active balances on Amex 's website, Amex advertises these cards as " widely accepted '', and all are consistently rejected when I attempt to make any purchase in any location. 

This widely tracks with online experiences of many others who have run into the same problems with their AMEX gift cards becoming largely useless, and I sincerely hope that beyond addressing this specific issue the CFPB is considering a more systemic investigation into AMEX 's business practices regarding these cards. 

I've attached screenshots of the balances of these three cards ( including expiration dated ), and the card numbers are below : {$50.00} - XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XXXX, we noticed a few charges under my name that we did not recognize. Two for XXXX XXXX XXXX XXXX ( one being {$38.00} and another at {$83.00} ) Another charge was for XXXX for {$160.00}. I received a replacement card within a couple of days. Today, XXXX, I noticed they started reversing the charges and found a document that stated that they determined there was no fraud. There were no details, but it did say that we could request the information they used to determine the outcome. I called USAA, and kept getting talked over til I gave up, and my wife tried to get a hold of someone else. They had no documents nor information to provide on why they determined that outcome. They told us they had no idea why it was closed and stated there was nothing they could do. The two XXXX charges were from an ATM at a XXXX, and I have never used an ATM there. I barely ever use an ATM. They even told us that we needed to go to the locations of these places and investigate ourselves and get footage of who did it. I'm not sure why they call what they do an investigation if they're delegating the job to us, and not doing what they're required to do. I'm not a police officer, and companies have no obligation to provide me with XXXX camera footage. Why am I suddenly playing detective?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I took out a loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records

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 2024-02-06
Company: CCS Financial Services, Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, There are XXXX accounts from XXXX XXXX representing XXXX XXXX. I have provided them with copies of my paid bills, as well as proof that I had another insurance and disputed it with the credit bureaus. Unfortunately, they did not respond, so the credit bureau XXXX requested that I file a complaint with you. Then they will remove this from my credit account. 

There is also a third account from my previous landlord, XXXX XXXX XXXX. I have provided proof of all my bills and rent payments, but they have charged me for legal fees without any court order. I provided the docket numbers, but they have not responded to the credit bureau. XXXX wants me to file this complaint, and then they will remove it from my account. 

I appreciate your assistance regarding these matters. 

Thank you. 
XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Credit Acceptance I never owned nor had this type of vehicle in my name or possession. I will happily appreciate if this was removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hyundai capital America - Amount - {$17000.00} DateXXXX XXXX XXXX Action taken towards me was an charge off. 
I have no knowledge of this account I am a victim of identify theft. 

Hyundai Capital America - AmountXXXX {$3700.00} DateXXXX XXXX Action taken towards me was written off by lender. 
I have no knowledge of this account I am a victim of identity theft. 

XXXX XXXX Amount- {$960.00} Date-XXXX  XXXX Action taken towards me was a collection Account .I have no knowledge of this account. 

Inquires that I have no knowledge of- XXXX XXXX XXXX DateXXXX DateXXXXXXXX XXXX XXXX XXXX DateXXXX DateXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX XXXX XXXX Date-XXXX XXXX XXXX  DateXXXX

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed and sent a fraudulent check for a job I thought I was being hired for. I deposited the money into my checking account and {$400.00} was available initially on XX/XX/year>. The full amount was available on XX/XX/year>. Wells Fargo ok 'd the check and put the full amount of the check into my account on XX/XX/year>. I was told to XXXX the amount of the check to someone else for the job, thinking this was for a job I was getting hired for. I discovered that this was a fraud on XX/XX/year> and reported the incident the day after ( on XX/XX/year> ) to Wells Fargo at a branch close to my home. Wells Fargo did some checking on their side and told me that this was fully my fault, the check was blocked by the other bank, but Wells Fargo still put that full amount of the check into my account. I was working with the claims department back and forth, and also with a broker at the Wells Fargo bank close to my home. The claims department was not helpful at all, did not do enough research, and some of them were very rude, I ended up generating over XXXX complaints because no one ever reached out to me to let me know of the status of my case. Wells Fargo wants me to pay them back the entire amount of {$4600.00} of that fraudulent check. They also want me to go to XXXX to retrieve that amount of money from them. I can not get to speak to anyone at XXXX, instead, I have to type a complaint via their online form and hope to hear from someone. I have been a customer for over 20 years with them, never bounced a check, and my own bank can not even back me up. I reported this crime right away to the bank after I discovered it was a scam. Wells Fargo put an alert out that I can not open up a new account at any other bank until I pay them back this full amount of money. I am being labelled as a risk. This is absolute 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 2024-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am continually being charged overdrafts fees XXXX XXXXXXXX per month on transactions I have not authorized. I have had Wells Fargo disable all overdraft fee protection features and they continue to authorize transactions I have told them not to. When I attempted to fix this with their customer service they attempt to " refund '' 50 % of the overdraft fees and I am forced to agree to this in order to recoup the half of the money. I refuse to agree to this " deal '' and I can tell they are attempting to get me to forfeit my rights as a consumer to do so. I am not liable for any of these fees as I have told them to never authorize the transactions in the first place.

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 2024-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am writing to express my dissatisfaction and frustration with Wells Fargo Bank. I have been a loyal customer of Wells Fargo for over 10 years, and I have always paid my bills on time and maintained a good credit score. 
However, recently I discovered that Wells Fargo has cancelled my ability to repay my XXXX XXXX loan account through their online banking system. This is unacceptable and unfair, as I have been using this feature for years without any problems. I have not received any notice or explanation from Wells Fargo about this change, and I have not violated any terms or conditions of my loan agreement with XXXX XXXX. 
I believe that Wells Fargo has acted in a dictatorial and corrupt manner, and has abused its power and position as a financial institution. Wells Fargo has violated my rights as a consumer and has caused me inconvenience and financial hardship. I have to pay extra fees and charges to use other methods of repayment, and I have to deal with the hassle and stress of managing multiple accounts. 
I demand that Wells Fargo restore my ability to repay my XXXX XXXX loan account through their online banking system immediately. I also request that Wells Fargo apologize for this unjustified and arbitrary action, and compensate me for any losses or damages that I have suffered as a result. 
If Wells Fargo does not respond to my complaint and resolve this issue within 15 days, I will take further legal action and report Wells Fargo to the relevant authorities and regulators. I will also share my negative experience with Wells Fargo with the public and the media, and warn other potential customers to avoid Wells Fargo. 
I hope that Wells Fargo will respect its customers and act with honesty and integrity. I expect a prompt and satisfactory response from Wells Fargo. 
Sincerely 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