BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For the last few years I have been reeling financially due to the pandemic and rising prices in rent. 

Not to garner sympathy but just to explain, I dont have folks ( parents ) and began my fXXXX XXXX XXXX XXXX XXXX XXXX  XXXX right as everything fell apart. 

To boot, as I began working full time to cover new expenses, my ability to attend XXXX dwindled. 

I was then charged an exorbitant amount of money for lack of participation despite having no choice. This is STILL preventing me from applying to colleges or receiving my transcripts to this day. 

While not exactly what I planned on reporting, I found mentioning this to be important as for the years following I was in bad shape. I even had to sell my car to pay rent after being booted from school. This is where U.S. Banks XXXX  fees come into play. 

Given my financial situation I have watched U.S. Bank skim at least a XXXX XXXX out of my account. Be it through tricky pending purchases or magically having a charge change dates a day before Im paid.

I guess Im just curious if Ill be able to retrieve those funds when the new law takes effect or if I have any recourse. Ive spent so much time with a negative bank account and only because of their fees accruing hand over fist. They recently closed my account due to lack of funds and I have bills accumulating after being priced out of my apartment again. 

Its overwhelming and Ive no other options. 

Thank you for taking the time to read this, I tried to make it as pleasant and brief as possible. 

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within 24 hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

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 2024-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I received payment for a check from my employer for {$1800.00}. On XX/XX/2022 the bank reversed payment saying the mobile deposite was deposited twice. I have contacted the bank and they told to contact the company that issued the checks bank so that they can inciate an investigation. The company that issued the check told me they dont see the check was deposited twice and that they havent submit a reversal of funds. The bank is not telling me when the check was submitted twice and to which bank. If check was submitted twice, it shouldnt be honored because it had been already 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/23 I received the results of my recent dispute regarding the account XXXX XXXX XXXX XXXX This account was deleted but it was placed back on my consumer report without me receiving any documentation on why. This account is reported inaccurately and It should not have been placed back on my report that's why they deleted it in the first place. 
XXXX XXXX This account has never been verified by the data furnisher after countless attempts to contact the source they have not provided any evidence of the debt bearing my signature. 
XXXX This item states that it has never been disputed in which I have sent countless dispute request for validation of this debt as well. These items are causing extreme damage to my consumer report and I request your immediate attention to this matter.

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 2024-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was mailed a check this past XXXX from Wells Fargo Remediation regarding a car loan back in XXXX of XXXX. The letter was very vague and they identified that they had issues applying my payment. Those issues contributed to repossessing my vehicle in XXXX of XXXX. They state as a result interest and/or fees were incorrectly assessed. They enclosed a check for {$7400.00}. I took it upon myself to look more into this and I am completely speechless to what they did to me and hundreds of other customers. I am ( XXXX  ) of XXXX customers that were " scammed '' and had my car basically stolen from Wells Fargo. 
I then realized that WF admitted to signing up customers for insurance even if they already obtained on their own. They only have spoken to me about the ( 1 ) repossession in XXXX BUT they also repossessed my vehicle in XXXX of XXXX. My husband and myself had to gather up the money to get it back the first time. I remember that I was upset cause I was only 2 weeks late on my payment. Fast forward to XXXX and it was taken again and at that point my husband and myself were not able to get it back. No real reason was given to me on any of it. It was such an emotional and financially draining event. I never even received a final letter on what happened to my car after it was auctioned off. I have been speaking to Wells Fargo since XX/XX/XXXX of this year as I wrote them and asked to go into mediation regarding this because I want answers and quite honestly they have not made this right. They purchased an insurance policy from XXXX of XXXX - XXXX. I had my own insurance and my car was repossessed twice in that time frame! The entire situation caused me to have bad credit with a repossession on my record. I struggled for years to get another car because it would require much money down and lets not fail to mention the shame and just financial " RUIN '' it did to me. I married ( my first and only marriage ) in XXXX of XXXX. I got denied for home loans and I am sorry they need to make this right! I have every record of having the proper insurance on that vehicle. I also have the information to what happened to my vehicle after they took it in XXXX XXXX. They sold it in 5 days and the state of Texas requires 10 day ( ILLEGAL ). I also have all the info of large deposit on the car the day I bought the vehicle at dealership. What they did is a fraud and scam. My mediator " XXXX '' has not mediated with me but has had me call other departments that get me no where. I am asking for assistance from you all please. These last 30 days having to go back to such a traumatic experience is weighing on me. 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 explanation
Consumer complaint received 2024-01-27
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
An account was attempted or opened with my social security number it appeared on my credit report. They did not give any details accept it was applied for with my social security number!

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 2024-01-28
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations. 






Company has lied about final settlement and manipulated it multiple times

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: Prosper Marketplace, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to credit karma to check out my credit and they had a list of 5 credit cards in my account which were in their opinion, pretty sure I could obtain. XXXX XXXX gets money for every member they send which joins. I joined Prosper and they approved me for a {$1700.00} credit limit, send me an email and said while I was waiting to get the card I could use 1/2 of my credit limit. I did just that as I am off work on short term XXXX and have limited funds coming in. I bought my son some tennis shoes, and made a purchase on XXXX for a furnace filter, I went to XXXX online to try get my grand daughter valentines for her kindergarten class and the purchase was denied, an alert came over my phone, a fraud alert from the credit card company and asked me if I made a purchase at XXXX, I said Yes and they said OK, retry that purchase and that was it. i attempted to pay and it said card was now blocked, so I called the credit card company and he asked me if those purchases were mine and I said yes and he reopened my account and said just stay away from XXXX online and you should be good, so I went to XXXX  and purchased items and my card was again blocked. I got up today and logged into the account and they lowered my credit limit by half. I would have never agreed to have the card with the lower credit limit but I was tricked!!! I started looking at the reviews on the site I joined from and many people were saying exactly what I just typed out here and even saying other things which have me scared to death now! I don't want my bank account compromised or my credit destroyed by this company. I spoke with this company today and the woman said my card was blocked multiple times for fraud, which was not fraud it was me however they never send additional messages asking me if I had made these purchases. She said the lowered credit limit is how much I can use until my card gets to me then they will raise it back up to {$1700.00}. This is just not acceptable business practices and there are a lot of people upset with this company.

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: RoundPoint Mortgage Servicing LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Mortgage serviced by roundpoint. Mortgage company XXXX XXXX House appraised on XX/XX/XXXXXXXX  for {$470000.00} Purchased on XX/XX/XXXXXXXX  for {$460000.00} Roundpoint list value of home at {$470000.00} Current remaining amount on mortgage {$360000.00} LTV 77.8 % ( based on mortgage listed value and appraised value ) Called roundpoint to confirm amount of mortgage needed to be paid down to remove PMI. was on call over an hour before giving up and hanging up. Told they were unable to provide that amount. Then provided an amount that was >30 % total of mortgage. Found a calculator on their website and discussed with individual and she continued to insist must pay >30 %. Calculated myself 20 % payoff and 22 % payoff and paid off this amount as listed above. I have also paid in full mortgage every month. Submitted form for PMI removal. XXXX XXXX denied removal and requested pay for house appraisal. House appraised less than 120 days ago and have met 77.8 % LTV of value. Again called roundpoint to request removal. They stated I must pay an additional {$63000.00} ( 35 % of original valuation ) to be removed or pay for the house to be reappraised. They reported this was directly from XXXX XXXX  and there was nothing they could do about it. Were unable to answer why the 20 % payment and 22 % payment as laid out by their documents as well as the HomeOwners Protection Act of 1998 respectively was not being followed. Request removal of PMI for loan reaching <78 % LTV

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for $ {$7900.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

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 non-monetary relief
Consumer complaint received 2024-02-05
Company: Key 2 Recovery, Inc.
State: OH
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:
Subject : Unlawful Credit Reporting and Request for Resolution Citing Ohio FCRA Identity Theft Fraud Laws Dear KEY 2 RECVRY, I am reaching out to address a serious matter involving the unauthorized reporting of information to my credit report, a clear violation as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I am invoking the relevant Ohio FCRA identity theft fraud laws to emphasize the gravity of this situation. 

It has come to my attention that KEY 2 RECVRY has engaged in unauthorized credit reporting without obtaining my explicit consent, a direct contravention of federal law outlined in the FCRA, which explicitly mandates consumer consent under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Ohio state law, particularly the Ohio FCRA identity theft fraud laws, reinforces the importance of consumer consent for credit reporting. This includes the protection against identity theft and fraudulent access to personal information, ensuring compliance with Ohio 's legal framework. 

I assert firmly that I have not granted consent for KEY 2 RECVRY to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially causing harm to my c

reditworthiness, and demonstrates a disregard for federal and state laws. I demand, unequivocally, that KEY 2 RECVRY immedi
ately cease any further reporting of information to my credit report without obtaining my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is essential to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and trust that KEY 2 RECVRY will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
Information from this THIRD-PARTY NON-AFFILIATE was acquired without my knowledge, permission, or consent. This information that is reported from ChexSystems was not authorized by me, and I DO NOT give them the permission to report any of my non public personal information. This is including EVERYTHING that is being reported including my Transaction history. Which is also illegal for ChexSystems to have as a non-affiliate, especially because I NEVER PROVIDED CONSENT, WRITTEN, UNWRITTEN, VERBAL, OR NOT VERBAL, for my personal non public information to be provided to this Third-Party company. I take back any consent that was provided on my behalf by any company that illegally provided my personal information to ChexSytems, which is not allowed, I am also opting out of reporting by this third party non-affiliated company ChexSystems, from providing non public personal information ON ALL of my consumer credit report. INCLUDING ILLEGAL TRANSACTIONS HISTORY.

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 2024-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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 was supposed to be in Covid protection status and was told and I have the proof that I didnt need to start making a payment until XXXX it is now reporting I am past due and it took a. Hit to my credit I want this fixed as I have paid a 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 2024-02-04
Company: FIRST NATIONAL BANK OF OMAHA
State: SD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Wed XX/XX/XXXX I got a text saying {$98.00} for XXXX plus membership was charged on my card. It first national bank of omaha card. I marked it as unauthorized charge cause I didn't make the charge cause I didn't buy a membership from XXXX. Someone had a copy of my card. I called the bank and closed my card and there sending me a new card. I just want my {$98.00} back on my card or account which idk if the bank can do.

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