BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This complaint is concerning my auto loan with Flagship Credit Acceptance. I have had my current auto loan with them since XX/XX/2022. However, I need The Consumer Financial Protection Bureau to PLEASE HELP AND INVESTIGATE their predatory lending. At the time of getting the loan, Flagship failed to clearly and accurately disclose the terms and conditions pertaining to when a payment is late. Specifically, late fees are {$20.00} per day ; which adds up quickly to being unaffordable. Upon doing further research, I've discovered that every auto loan financed with Flagship have disproportionally high fees that accrue per day. Unfortunately, as a consumer, myself and many other Flagship customers have been tricked into believing that our loans are affordable. As a consumer, this lender deceptively convinced me to agree to unfair and abusive loan terms; making it difficult for me to be late with the {$20.00} per day late fee. I've made numerous calls to Flagship concerning the late fees, but each time, they purposely change the subject.

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 2024-01-12
Company: Abra
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have {$2800.00} deposited in the Abra app. I'm getting the message " Application is not accessible due to Compliance reasons ''. The company doesn't seem to be contactable. I had been using for many years prior without an issue and had previously withdrawn money from the app.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Federal.Trafe Commission Bureau of Competition awards XXXX XXXX upon XXXX XXXXXXXX XXXX  oral contract to.pay said such award. Fees became part of the recipient 's award receipt. XXXX XXXX used my credit card as an option to pay for fees. He orally contract and typed a written texting and email that he will pay the bill. He researched for a scholarship program and therefore it would reduce said such fees as he orally contracted over the phone. His typed texts as written agreements that the scholarship program is to institute a process to receive said such Federal Trade Commission Bureau of Competition award. XXXX XXXX XXXX failed in stating the days to return and disconnection of service. It would need to be reconciled how the XXXX XXXX XXXX equipment would be disconnected and returned. Two other parties XXXX XXXX and XXXX XXXX XXXX are the financial backers and recipients of equipment. They owe the monies XXXX XXXX  XXXX has the dates for disconnection and return based the incorrect information that they stated 12 days to return and it is 21 days. The services are disconnected or if XXXX ate in operation then they owe. XXXX XXXX XXXX failed in properly identifying the process and kept me in a waiting period. As a customer for 30 years and the facts that others used my phone to receive free service.

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 2024-01-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My son made the full payment on the card. and he processed the payment! Then they canceled the account without any explanation! then it was tried on several occasions and it turns out that they want more money and above all they asked me and my potential son negative and they damaged our credit on purpose! It was on the credit no late payments ok now they changed it and put debts that were never paid

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 2024-01-15
Company: I.C. System, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document. 
Please provide me with : XXXX. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
XXXX. Proof that the XXXX of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX or XXXX of XXXX. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

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 2024-02-04
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had a checking account with ALLY BANK for over XXXX ( XXXX ) YEARS. Recently I started using XXXX to transfer money in my other bank accounts and decided to do the same with ALLY BANK. In ALL OF THE OTHER BANKS, the funds were transferred instantly ( within minutes ) with NO PROBLEMS. 

In the case of ALLY BANK, the funds would not arrive until Wednesday, XXXX XXXX XXXX after being sent on Sunday, XXXX XXXX XXXX 

I inquired through chat about this and was told by XXXX first that there were XXXX levels of speed and that I should have chosen " instant '' instead of " standard. '' In fact, there was no XXXX menu. I was NOT GIVEN AN OPTION BUT RATHER THREE DAYS TAKE IT OR LEAVE IT. Later the same person told me that if I tried on Monday, the money would be sent in minutes. I asked for a supervisor. 

The supervisor repeated the same dialogue insisting that I chose wrong. I stated that I had earlier spoken to the people at XXXX who informed me that XXXX transactions take minutes and that anything longer is not XXXX and fraudulent use of the XXXX name. 

Next the person ( supervisor - XXXX XXXX told me that there were " other factors '' that determined the speed of transfer. These apparently are secret since she did not disclose them. 

I call this fraud. ALLY BANK should not offer XXXX if in fact the transaction is identical in speed to a standard ALLY BANK TRANSACTION.

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: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new checking account with Wells Fargo 1-2 weeks ago online. The application was approved, I set up online access, made the initial minimum deposit, and have been using all of the features with no problems. I recently got a new phone and updated my phone number on the app to keep my information up to date. 

I received a voicemail today from Wells Fargo stating they needed to speak to me to verify important account information. They called me back one more time within the same hour, I answered, but no one was on the line. When I tried to call back, the phone line said it was closed. Shortly after, I received an email that my account was reviewed and set to be closed in a few weeks. 

I have been unable to get in contact with the Loss Prevention department thats supposedly closed on Sundays, although they called me twice within this very day. I spoke with a customer service supervisor on the phone who had no information about the reason for this email or path to resolution. 

Im more than willing to visit a branch in person to verify my identity and any information needed to keep this account open and in good standing. Wells Fargo has abruptly frozen my account without giving me an opportunity to verify the information they needed. I have outgoing ACH payments scheduled for bills and credit cards, and planned to use this as my main account to receive direct deposits. 

This has been a terrible experience and Wells Fargos business practices are highly unethical. I need a resolution for this issue ASAP, as I now seem to be out of a bank account for no good reason.

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 2024-02-01
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When my daughter received her license in XXXX, I called my XXXX agent and asked if I needed to add her onto my policy. She had an older vehicle from her dad and was already covered under his insurance policy through XXXX XXXX. Because of that, my XXXX agent advised me that I did NOT need to add her to my policy. Fast forward to XXXX, I was in the process of cosigning for a new vehicle for her. During this process, I inquire what the cost would be to add her onto my insurance policy. That's when XXXX says the underwriter wants to backdate my policy to when she received her license, which resulted in a ridiculous charge just to add her. I said NO THANKS, and then opened a policy with XXXX XXXX and cancelled everything with XXXX, Auto and Homeowners. 

With NO notice or any mail from XXXX, I receive a collection notice on XXXXXXXX  for the backdated charges, {$1300.00}. They never mailed me any notice and only waited 20 days to send their predatory bill to a collection agency. 

That is what I submitted to the XXXX  XXXX XXXX - Complaint, but I just want to emphasize here that I never received any notice from XXXX about this bill.

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 2023-12-11
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 belongs to someone else

Complaint:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please Delete the listed inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I was sick and I couldn't work for a year they didn't close my account

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: CCS Financial Services, 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 in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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 : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
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 that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be verified or removed 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 2024-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I went to XXXX XXXX store to use the Wells Fargo ATM inside I first went in to deposit {$240.00} then I went back home because I had forgotten {$800.00} that I needed to also deposit. I came back to the XXXX XXXX store to deposit the {$800.00} but when I deposited it only credited me {$600.00} so I called Wells Fargo immediately and let them know what had a accured.. on XXXX XXXX  I was credited the {$200.00} so I was like ok thinking that when they opened the ATM machine those {$200.00} were going to me there.. On XX/XX/year>XXXX  I got a letter stating that they opened up the ATM and they didn't find those {$200.00} so that they were going to take those {$200.00} back. I was upset because I have no reason to lie about the deposit I made I've been with Wells Fargo for 2 or 3 years and haven't had a problem I'm usually always going to that ATM to withdrawal or deposit and haven't had a problem until now.. I told the Wells Fargo associated that the money could of been easily spit out to another customer and the machine will not record that and no one was going to call them if a customer indeed received extra money from the ATM.. I'm a single mom of XXXX currently receiving benefits and I really need my money back.

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 2024-01-31
Company: Velocity Portfolio Group
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
ON XXXX XXXX I CONTACTED THE COMPANY BY PHONE. I REQUESTED THAT THIS IS ABOUT THE 8th TIME SENDING COPIES OF MY SSN CARD, PROOF OF ADDRESS TO VERIFY MY IDENTITY AND FOR THEM TO REMOVE ALL INACCURACIES FROM MY REPORT. UNDER USC 15 1681g I REQUESTED TO SPEAK TO A SUPERVISOR. UPON EXPRESSING TO HIM THAT THE COMPANY CONTINUES TO SEND ME A REPORT WITH SOMEONE ELSE 'S SSN ON MY FILE. I AM REQUESTING THAT IT HAS TO BE REMOVED IMMEDIATELY AND HIS RESPONSE WAS IT BELONGS TO YOU AND IT WILL REMAIN ON MY FILE. THIS WILL BE THE MY LAST ATTEMPT TO HAVE THESE ITEMS REMOVED. 
UNDER. USC 15 1681g subchapter ( e ) ( 1 ). PARAGRAPH 1. 
I HAVE PROVIDED THE COMPANY WITH ( i ) the presentation of a government-issued identification card UNDER USC 15 1681g subchapter ( d ) ( 1 ) I AM REQUESTING ANY DOCUMENTS USED TO VERIFY THAT THE ACCOUNT # ENDING IN XXXX  THAT I OPEN THIA ACCOUNT AND ALL SIGNATURES BELONGS TO ME.

I WILL BE SEEKING MONETARY DAMAGES FOR ALL VIOLATIONS UNDER FCRA.

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 2024-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
USAa responded to my complaint I had legitimate fraud on my account. They're claiming that they can't cover it because the person who tried to call me had my login information and they're accusing me of transferring money to them even though they saw themselves that the person had access to my account This company needs to cover this is fraud because that's what it is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to open an account in my name at Old Navy ( Barclay Bank ). I contacted the credit card company and notified them these were opened without my permission.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 names : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602A states that I have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 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 response to consumer: Closed with explanation