BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :

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: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Account overdrafted and closed without my consent

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: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Credit Acceptance was not creditor I signed up for. My XXXX XXXX XXXX XXXX. Was signed with XXXX XXXX. I had everything set up on auto pay during the time of the loan when I realized XX/XX/XXXX, that it was through credit acceptance. My contract is not the same with what I agreed to and signed. The car dealership that I had purchased the vehicle from must have done some type of switch with creditors?? I need to have this disputed. This is not the agreement that I signed up for and I ended up having to give the car back because the payments were larger than what I anticipated from what I had agreed to when I signed the contract. This has been false and misleading to me as the consumer.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Subject : Formal Complaint Regarding Unauthorized Reporting on My Consumer Report Dear TransUnion Consumer Relations, I am writing to formally complain about the inaccurate reporting of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my consumer report. As a consumer, I am deeply concerned about the violation of my rights and the breach of privacy associated with these unauthorized entries on my credit report. 

First and foremost, any addition of items to my consumer report requires my explicit written permission, even in cases of permissible purpose. It is crucial to acknowledge that my consent is a mandatory prerequisite for such reporting, especially considering that this information constitutes my non-public personal information, which should be safeguarded at all costs. 

None of the four accounts mentioned above have my explicit written consent, indicating a severe breach of privacy and potential identity fraud. This is not only an infringement on my rights but also a violation of South Carolina law, particularly under the South Carolina Code of Laws : 1. Section 37-20-110 : Prohibits unfair or deceptive acts or practices in consumer transactions.

2. Section 37-20-160 : Regulates the accuracy of consumer credit reports and consumer reporting agencies. 

I urge TransUnion to promptly investigate this matter, rectify the inaccuracies on my credit report, and cease the reporting of unauthorized information. Failure to do so may result in legal action to protect my rights and seek appropriate remedies under the specified South Carolina laws.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) : 1. Section 1681e mandates that consumer reporting agencies ensure the accuracy of reported information. 
2. Section 1681b outlines the permissible purposes for accessing consumer reports, and the lack of my written consent for the mentioned accounts constitutes a violation.

3. Section 1681i entitles consumers to dispute inaccurate information on their credit reports, and I hereby dispute the unauthorized entries mentioned. 

I expect TransUnion to adhere to both South Carolina laws and the Fair Credit Reporting Act, taking immediate action to rectify this situation in compliance with federal and state law. 

Please provide a detailed response within 30 days, outlining the steps taken to address this issue. 

Thank you for 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 2023-11-27
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was granted a XXXX dollar loan by Advance financial 24/7 without knowing it would charge my account twice a month at an extremely high payback amount and extremely high interest rate. I am having a terrible time trying to keep up with the loan and the rest of my bills that are necessary. I am now struggling to keep my head above water a pay bills. Is there any resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 report violations of my rights by XXXX XXXX. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.

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 2024-01-19
Company: REGIONS FINANCIAL CORPORATION
State: LA
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 opted for overdraft protection with my financial institution Regions Bank, and elected to use my savings account as backup in the event of overdraft. Now I have my payroll check direct deposited so they are assured funds will be coming to them. However, it keeps happening where they are charging me a fee of {$36.00} for each transaction, which are mostly for lesser amounts than their fee. And just recently I was charged a whomping {$100.00} on the same day my deposit landed. I have tried speaking with the bank about this issue because its costing me an excessive amount of extra money that I just don't have to give away. I implore someone to help me with resolving this matter and helping me with avoiding the loss of so much money by means of what I feel is a very unfair practice.

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 2023-12-18
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 status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus hav

e not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2024-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I raised concern via CFPB regarding USAA debt collection and reporting practices for two charged off accounts. 

I was contacted today, XX/XX/26 by XXXX who stated she works for the CEO. She also ensured to inform me the call was an attempt to collect a debt. 
Without addressing my concerns that I raised, XXXX went on to notify me that there was actually another charge off not reporting and she made a request to have it added to my credit report ( retaliation l? ). When I asked for the date of delinquency she first didnt have it then after I stated such she claimed XXXX XXXX making this account beyond reporting to XXXX. 
USAA has also over drawn my checking account after assuring me this wouldnt happen- now Im questioning if this too is retaliatory?? 
How do we treat wounded service members this way? And this is the office of the CEO?

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: SYNCHRONY FINANCIAL
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I called Synchrony Band customer service on XX/XX/year> and asked if I would get their advertised certificate of XXXX XXXX APY for XXXX  months if I funded my unfunded Certificate of Deposit account on that date. The Synchrony Bank agent stated that I would, and did not mention any qualifiers or any possibility that I would not get this advertised rate. ( This conversation is on file with Synchrony Bank. ) I immediately funded my CD account via ACH transfer that day, XX/XX/year>. When I checked my account XXXX days later, Synchrony Bank had only given me XXXX XXXX APY on my CD. It is apparent they lied to me about the interest rate I was to receive and thus subsequently cheated me out of several hundred dollars over the course of the XXXX month CD.

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 2024-01-23
Company: Experian Information Solutions Inc.
State: CO
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 called Experian to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.

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: Experian Information Solutions Inc.
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:
My Credit was charged so this charge is on my credit an I sent my security to them they accepted it an .I asked if they even practice TILA REGULATION Z I want a full refund I got XXXXwo different XXXX  money deposits fore {$17000.00} an they sent me the other a week later when I reported this XXXX deposit nwas {$500.00} 15usc 1605 ( a ) finance charges 15 USC 1611 I want a full refund cause my credit was charged

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Saturday XX/XX/XXXX XXXX XXXX  This is a XXXX XXXX XXXX that adverse credit information is scheduled to be reported to the credit bureau ( s ) by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$66.00} due XXXX XXXXXXXX XXXX by calling XXXX or by visiting XXXX. Reference File # XXXX. Thursday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit www.ccspayment.com. Reference File # XXXX. Friday XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX  Reference File # XXXX. XXXX XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX. Reference File # XXXX. Sunday XX/XX/XXXX XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
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:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EXPERIAN

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: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Formal Notice of Violations and Request for Remediation Dear SYNCBXXXX I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how SYNCBXXXX has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191. 
Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on SYNCB/HARBOR provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
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 this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX 2023, Bank of America XXXX XXXX both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card , which was issued by the same bank.

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XX/XX/2023. I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XX/XX/2023, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XX/XX/2023. Additionally, I proactively reached out to Bank of America by phone on XX/XX/2023, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.

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