BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2024, I was a victim of a scam. Everything started with me having a problem with my XXXX account. I looked up a number to call and I came across a number on google. When I called the number found, I spoke to someone who impersonated a XXXX agent. They informed me that my account had been locked because I hadn't completed the verification process. They added that they were willing to help me solve that issue. This is how they proceeded to ask me personal information and ask to remotely access my computer to help me better. They had me go to my bank account ( Wells Fargo ) that was linked to my XXXX account, then had me initiate some money transfer from my bank account to XXXX for the amount of {$700.00}. Then they had me go on metamask and had me create an account with XXXX and XXXX, passing all the verification process. That was supposed to make the security features strong so in case my account was hacked it would have been difficult for the hackers to access it. They then transferred {$1100.00}, {$1400.00} and {$1400.00}. The money was supposed to have been sent to my XXXX account then back to my checking account. When I questioned the amounts, they kept on saying that it was what the computer generated and not to be worried because the money was going to be deposited back into my checking account.But as time went by I realized that no money was being sent back to my checking account, and that they were actually draining my account buying cryptocurrencies and moving the money to digital wallet. I started to record the phone call then. I try to contact my bank via chat, sending help alert but the chat was not available. I then, call the bank to explain what happened and to ask them to stop the payment but I was told that because they were made with a debit card, there was no way to stop them and I was instructed to file a claim, which I did. I was tricked into believing that I was making legitimate transaction and now my bank rejected my claim and I just can t afford to lose all that money that I worked hard for to the hands of scammers. What is more, since I had opened my account I never spent such a large amount ( {$4700.00} ) within minutes, which is already a red flag. At this point, I feel really disappointed in my bank and I do not feel protected. I do not agree with their decision and I do not understand how they came up with the conclusion that no error had been made, how they are denying the fact that I was scammed.

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 2024-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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 have report this matter over and over again and I do not understand why both of these Company is just destroying my credit profile I fine this very stressful I have file XXXX  XXXX in XXXX XXXX XXXX  XXXX In XXXX Virginia back in 2019 and it is a fresh Start for me Credit Accept is filed and they and they reporting XXXX collection with a one defaulted Loan   XXXX XXXX and XXXX XXXX XXXX XXXX XXXX reported to XXXX XXXX  which they using false statement to destroy in anyway they can I have been dealing with the lies and it cost me to not to go on with my life I Credit Accept report to XXXX balance paid off with 15 negative remarks and XXXX XXXX Balance Paid off so which is it I am asking for both company to be removed from all my credit Reports reporting this has to stop this behavior how can Consumer Financial Protection Bureau is not protecting me How do I file XXXX  XXXX and still be destroyed do you all know my base score is under XXXX and I have paid all my bills on time since I file in 2019 is this because I am a XXXX XXXX  doing right because I have report this a lot of time and nothing changes

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 2024-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
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 was notified by XXXX XXXX XXXX XXXX that there was a credit inquiry on my credit report from Credit Acceptance XXXX in XXXX, Michigan. The applicant submitted the application at XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX. The persons name is XXXX XXXX and they were pre-approved for an auto loan in my name. I dont know this person. I dont live in XXXX any more I have live in XXXX XXXXXXXX XXXX XXXX for nearly 2 years now. This is absolute 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 2024-01-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: Store credit card
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 writing to address a concern regarding a late payment entry on my Macy 's credit card account, specifically related to the period during the COVID-19 pandemic. I believe that this late payment is subject to the protections outlined in the CARES Act.It has come to my attention that a late payment entry has been reported on my credit report, and I would like to request the removal of this entry. My understanding is that, under the CARES Act, if a consumer makes an arrangement with the creditor and fulfills that agreement, the creditor is generally not supposed to report the account as delinquent. 

I kindly request Macy 's consideration in removing the late payment entry as a gesture of goodwill. I am committed to maintaining a positive credit history, and the circumstances surrounding this late payment were beyond my control. 

The creditor has refused to remove the late payment after contacting them several times.Uploaded is the bank statement that shows payment.

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 2024-01-26
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got the car in XX/XX/XXXX I was working and was my first car purchase, I lost my job but I kept my payments until I couldn't anymore, I got XXXX  and I lost a Family member due to ( COVID ) I started having financial difficulties so I sent to PENFED Credit Union who financed my car the hardship letter for the first time, also I had to ask for Financial help from some organizations to make some payments, fortunately I found a job on XX/XX/XXXX but again I lost that job. 
I maintained communication with PENFED members to let them know about my situation, I never hide, not refuse to pay, I am not a " delinquent " person. 
On XXXX XXXX XXXX I had a job accident that kept me unable to work, unfortunately the school refused to pay me so I found myself in need to seek legal help, my case was under worker compensation and I was unable to work for several months, I was in therapy and under medical treatment, I called to PENFED to explain what happened and As soon I had the medical report and the documents from my lawyer I sent to the bank so they knew well about my Financial situation because I kept the communication with them, I didn't know that my case will take so long, thank God settlement was resolved on XXXX the XXXX XXXX but I was unable to make any transactions after I deposited the check until XXXX the XXXX, and the car was repossessed on XXXX  night the 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 2024-02-03
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the car in full, called and made a payment so I would be done with it and the payment still hasnt posted and they just reported the account as delinquent

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 2023-12-13
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: Personal information incorrect

Complaint:
Can you update my address and name on 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 explanation
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying to get my money back for nearly {$700.00} fraud charges that occurred while I was in the hospital in XXXX. All of my things were stolen and I informed every single rep and supervisor that I spoke to, of that. The dispute was filled out wrong not once, not twice, but three times! The first time, the rep included transactions that did NOT belong in the dispute and also put doesnt remember these transactions as the reason for the dispute, when I told him multiple times prior to submitting it that my purse ( all of my cards were in it ) and phone was stolen the night I went to the hospital & that they were fraud charges. I immediately canceled my cards when I got out of the hospital and got a new phone that same day. I also told that same rep that I had my hospital documents & report. I was told none of that was needed. Okay. A week or so later of going back and forth because the dispute was closed, I asked for a supervisor. She was very apologetic and admitted that the rep was at fault after listening to my calls, she supposedly reopened it and told me I would be refunded in two days and I NEVER was. Here I am nearly two months after opening the initial dispute with NO resolution. Im tired of typing this story over and over, Im tired of repeating it verbally over and over. Ive contacted Wells Fargo SEVERAL times about this matter, I got sick of contacting them with no resolution but every time I look at those transactions I get upset knowing I didnt make them & Im being held at fault for THEIR agents negligence when my calls were listened to & the supervisor said herself the rep was 100 % at fault & apologized to me. Ive been a customer since 2017 and Im on the verge of getting a lawyer because this is unacceptable.

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 2024-01-19
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
KIA FINANCE AMERICA XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.

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 2023-12-07
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a XXXX and XXXX  clain on XX/XX/XXXX through Arvest bank account insurance. I called on XX/XX/XXXX because I could not get into my online account and they told me they were closing my account. They did not have a valid reason for closing my account. That same day I received a letter in the mail requesting additional information for my XXXXXXXX claim. On XX/XX/XXXX, a letter was sent out by Avest declaring they are clsoing my account. It appears that they are closing my account because I filed an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: TRUIST FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good evening. My name is XXXX XXXX. My wife and I purchased a XXXX XXXX XXXX, brand new in XXXX. The set monthly payment has been XXXX. According to recent statement we have paid We have paid XXXX into the loan and still owe XXXX. The original loan was XXXX. This is obviously a rip off. We had payment extensions for 2 years but the increase in interest is ridiculous. It accrues daily. There has to be something addressed regarding this company which is regional acceptance corporation. At the current rate the car we have wont be paid in full until XXXX ; given the cars condition I doubt it will be functional at that time. Is there an action we can take against this creditor? Also due to Increase in thefts of this make and model it has been difficult to find affordable insurance for this car.

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 2023-12-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase account confirmed I was a victim of fraud scam charges on the phone. 
They neglected to alert me my account was compromised and it took me a long time to piece together someone who had accessed by account and routing number making several disguised transactions as XXXX XXXX. 

This traces back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Barrett Motors, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a discrepancy in the reporting of my credit file by your bureau. The issue pertains to the account managed by BMI FINANCE INC, which is inaccurately listed as an auto loan by your agency. 

Upon reviewing my credit report, I have observed that XXXX ( XXXX ) is reporting the account type as an auto loan. This information is factually incorrect. The account in question is correctly identified as an " installment loan. '' However, the accurate account type should be a " Credit Sale Agreement. '' I understand the importance of maintaining accurate and up-to-date credit information, as it significantly affects my creditworthiness. Discrepancies like this can have adverse effects on my financial standing, and I believe it is imperative to rectify this error promptly. 

I kindly request that you investigate and rectify the account type misclassification at your earliest convenience. The accurate reporting of the account type is crucial for the integrity and accuracy of my credit file. As a consumer, I have the right to an accurate credit report, and I believe it is crucial to address discrepancies promptly. 

I appreciate your attention to this matter and your prompt resolution. If needed, I am willing to provide any additional documentation or information to support the correction of this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Greetings, I recently received a communication from Wells Fargo ( WF ) instructing me to update the physical addresses associated with my accounts, or they would be closed. Historically, I had utilized a po box as my mailing address for all statements, but WF claimed they lacked a physical postal address on file for my accounts. In response, on XX/XX/XXXX, I visited a WF branch and presented the correspondence. The account manager assisted in updating my accounts with my home address as the physical address while retaining the po box for mailing. 

Upon leaving the branch, I believed I had fulfilled the requirement outlined in the letter. However, when someone attempted to deposit funds into my account, they informed me of the unsuccessful transaction. Upon inquiry, a WF representative explained that my accounts were frozen because the account manager had only updated the mailing address on the statements, not the physical address. I am now unable to access my funds, and according to the WF representative, I must wait for 10 business days. 

This situation has left me unable to pay bills, jeopardizing my credit, and, most importantly, impacting my ability to provide for my children. I am in desperate need of assistance.

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 2023-11-28
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Established contact via email with Franklin Service regarding an alleged medical debt I owed on XX/XX/XXXX with XXXX XXXX in the amount of {$250.00}. A proof/outline of the debt was requested and a printout was sent to verify I was in communication with the right company that matched the letter they sent. On the same day, I requested an itemization of the debt from XXXX in order to verify the debt was real. I followed up further with XXXX on XX/XX/XXXX as an itemization of the debt had still not been provided. XXXX then sent a response confirming that an itemized statement will be sent. 

After no contact or response providing the requested itemization of the debt from Franklin Service, I received a phone call on XX/XX/XXXX harassing me for the debt again. I then requested the same debt itemization breakdown over the phone and they confirmed they would work on sending it to me as I couldn't pay the debt without validation. 

As of XX/XX/XXXX I received a response from XXXX at Franklin Service stating that they are still working on getting an itemized statement. It has still not be provided to me. Per 1006.34 Notice for validation of debts, the five day window for providing me with this itemized debt information has now passed given that it is now XX/XX/XXXX. Please see attached email messages regarding communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This company constantly charged overdraft fees in less than 24 hours when I asked him to leave the overdraft fee because it's less than 24 hours sometimes they do it most times they refuse to do it or tell me that they can't do it.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act s
ection 611.

Company response to consumer: Closed with non-monetary relief