BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USAA Federal Savings Bank, my installment loan servicer, has intentionally supplied inaccurate information to credit agencies for a duration exceeding 50 months. The account fraudulently reported as charged off corresponds to my consumer loan initiated on XX/XX/, with an initial sum of {$6600.00}. USAA FSB reports the charged-off amount as {$4700.00} on an account I never defaulted on. The installment loan servicer not only fraudulently reports the account as charged off but also provides false details pertaining to this assertion. Consistently, USAA FSB provides varying information to XXXX, XXXX, and XXXX. Only through my disputes with XXXX has the information somewhat aligned with the actual series of events involving my vehicle and account. Despite my persistent efforts, FSB maintains an erroneous report to the other credit agencies, stating that I made payments in XX/XX/, whereas the last initiated payment took place around XXXX. The installment loan servicer declines to furnish a payment history, leaving me unable to accurately specify payment dates and amounts. Furthermore, USAA FSB has ignored XXXX XXXX XXXX XXXX XXXX which articulates what a holder should do in the event it repossesses a vehicle thereby forfeiting any rights and remedies to collect a payment. Despite numerous requests for account statements and payment history, USAA FSB has only provided blank records for time periods excluding the months in which I made payments. Despite communicating this matter to XXXX, the account continues to be reported inaccurately. Through their persistent reporting of this account, USAA FSB is in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ). I maintained a timely and early payment record with USAA FSB, commencing payments in XX/XX/. Even according to USAA 's report to the credit agencies, I made a payment of {$1900.00}, which could not have resulted in a default in XXXX, XXXX, or XXXX, considering my scheduled payments were {$160.00} during that period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in reference to a dispute filed for my XXXX XXXX  card XXXX for the amount of XXXX XXXX ( USD 340.00 ) out of the total amount of USD XXXX charged to my card on XX/XX/XXXX. 

The merchant is a hotel operator and had unfairly charged USD 340.00 claiming there were breakages for a vacation rental, however I did not damage anything. 

I have contacted the merchant to try to resolve this matter, however they consider this final and are not willing to discuss any further.

I filed a dispute with Barclays on XX/XX/XXXX, but their response on XX/XX/XXXX simply says " documention that was provided showed insufficiency to strengthen the dispute claim made ''. 

That is untrue, and I question if there was any attempt from Barclays to seriously investigate this dispute on my behalf. Why didn't anyone contact me to ask for further documentation/evidence?

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 2023-10-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I currently have 3 cards with Synchrony Bank. I have a Cares Credit, Mattress Firm and XXXX XXXX. 
It started with my XXXX XXXX XXXX, it was paid on auto paid on time every month. SB decided to randomly lower my credit limit even though the card were never used for anything else other than being paid. 
At the time I had 100 percent payment history across the board and no delinquency any where. The lower my limit right to the balance I was paying though a purchase special with equal monthly payments. 

Recently, I due to unforced events from employer not stopped paying me, emergency medical treatments as well as a passing in the family. I was forced to start missing payments due to hardship. I started to miss payments on my Cares Credit card as they add some significant amount of interest for medical expense charge. 

At random, they decide to close my Mattress Firm card which I have had zero missed payment and only 3 payments remaining on a purchase special. The card has been on auto pay since day one. The car also has never been used other than the initial purchase. 

The unethical practice of SB continues as they purposely left open the only card that is delinquent!!! They offer zero help in anything other than calling me and harassing me for a payment. A rep called and as I explained to her I have XXXX income as I am just about to start a new position with a company, I wont know when I would get paid or exactly how much and to please call me back in a few days. The rep purposely made me go through a hardship questionnaire when I " specified '' I have XXXX  income at this second and she then told me " sorry due to your lack of income you do not qualify for hardship ''. 

This bank is unethically finding ways to either lower your credit score or trying to burry you in so much interest you have zero way of getting out!! 

They have done " tricks ' on all three of my accounts. This kind of behavior is unethical and it should be stopped.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I went through financial hardship and I applied for home modification through Bank of America. They deferred {$25000.00} ( put it as a lien ) my mortgage balance went down by that amount and they increased my mortgage pay off from 30 years to 34 years. I bought the house back in XX/XX/XXXX. I had a one year signed agreement with the bank as a protection plan to pay my mortgage for 1 year if I was not able to. When that modification was done they added {$30000.00} to the lien amount of XXXX as a payment reversal. I have the bank statement from that period and the numbers seems way off. I will appreciate if someone can take a look into it. I am trying to refinance and everything is on hold because of that. The best phone number to reach me is XXXX. My old mortgage number XXXX with BOA. They sold my mortgage to XXXX XXXX  on XX/XX/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 2021-09-20
Company: 3rd Generation, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is my 4th time filing this complaint because AMEX refuses to provide the information requested IN DETAIL and keeps telling the CFPB that they've provided the information I requested and marks my new complaint as a " duplicate ''. Until the information requested is provided, this is NOT a duplicate complaint. 

The balance on my XXXX statement was {$5400.00} and I paid all but {$320.00} of the balance by the payment due date. AMEX says that as a result, {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 

I keep asking for the EXACT transactions used to come up with the {$4600.00} and AMEX refuses to answer that question. With the exact transactions used to come up with the {$4600.00} used to calculate the interest, I should be able to replicate the calculation and come up with the same daily accrued interest amount of {$100.00}. Moreover, they refuse to tell me why {$4600.00} of the charges were subject to interest fees when I only had a remaining balance of {$320.00} for 3 additional business days. 

I believe AMEX won't provide the requested list of transactions, because they do not know how the algorithm used to calculate monthly and trailing interest charges really works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Dave Operating, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I make a dispute threw the online Bank name Dave banking was on XX/XX/2023 after 10 day I received email say the investigation was completed and the found return to my account but my account still say suspended I can't have access to my found I send over 30 email and request never here back from them I can't even get hold on someone over the phone I try everything I could to get my money but unfortunately is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Carvana Group, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle from Carvana I paid my down payment I pay my car note early they did not go over my paper work and sent me an affidavit a few days before my temporary plate exasperation. The representative told me he would check and call me back later in the day I never got the call back. So I called back the next day and had another representative check on my plate. She returned to the line and told me they where going to get me a rental car but I have to pay a {$50.00} dollar deposit for the rental. I dont go get the rental because why should I pay anything when its not my fault. So a week later I call and ask are my registration and Tag on the way now I get Carvana saying they dont know how long it is going to take to get my truck registration or plate. The representative ask me we have given you a rental. I told the representative I shouldve to pay anything for something thats not my fault. She puts me on hold and returned on the line and offered to give me a XXXX dollars for my trouble. I in return ask if they would either put my payment for the month at the back of my loan or waived the payment due to not being able to drive my vehicle so this is my complaint of not compensated for my inconvenience but to offer me compensation that doesnt add up to the amount I pay a month for my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We have a home equity line of credit with Wells Fargo Bank. 
We all had XXXX in our home and my husband was out of work for a while. 
We called Wells Fargo and were told we could defer six months of payments and they would be added to the end of our loan with no additional interest or anything negatively affecting our credit line. After the six months we started resuming our payments and then Wells Fargo started calling us saying those six payments were not added on to the end of our loan and that we needed to pay them XXXX. We told them no that they were supposed to be added onto the end of our loan and that we were resuming our monthly payments. We have been customers with them since 1989 and this is our third mortgage with them. We have been going in circles with them and everytime we call we get a different person who tells us something different and at this point we cant even understand what they are saying. we owe XXXX and this past friday we went to the bank to pay a XXXX payment and the teller said he couldnt accept it because a message came up saying they could only accept the XXXX. We are getting no where with this bank and feel like they are scamming us and trying to take our home.

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 2019-05-25
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Credit card payments system change, payments system not working properly to make payments online at XXXX XXXX website for several months. Loans are high interest at more than 190 % interest rate, and I can not input card information and there is no " send '' or submit button to process the information on the company website exists, the card payments section is completely falsely presented and not working. One must call the customer service phone line with long hold times and pay a fee instead of the free online card payments system previously accepted, a breach on the loan agreement for payment methods. I complained to the XXXX XXXX representatives in XXXX of XXXX  that I can not make payments conveniently and I am paying more daily interest because I must wait on finding the time in my work schedule to call in and wait to make a payment over the phone. There are no answers to my concern, and I am ignored, or the phone line gets disconnected to avoid my complaint about the website. ( please see included dated images for the latest occurrence of this issue. 

On XX/XX/2019, at XXXX XXXX, I attempted to make a {$1500.00} payment to pay down the balance and avoid high-interest accumulations. CSR ( customer service representative ) said I could not pay more than 2 payments in 21 days with a credit card over the phone. CSR said I could also not submit payment at XXXX XXXX branch, even in certified funds. CSR also said I could only make a payment through XXXX XXXX banks with the XXXX XXXX account number, but only if I paid the full balance of {$4200.00}. CSR then said they would only accept more money towards the loan at XXXX locations before XXXX, and there ar are fees attached to sending payments through XXXX systems of {$10.00} or more. I asked if I can use my checking account to make more than two payments over the phone, CSR said I could not make more than two payments on website either with a checking account, because an error message would occur. XXXX XXXX is purposely stalling the payment process and causing excessive expenses in addition to the high-interest loans, by making it expensive or impossible for the customer to make higher payments on the loan so the customer will continue to accrue excessive interests and either not catch up to the loan or default and eventually lose possession of the vehicle. 

During the XXXX  year, I received an excessive amount of calls to collect the monthly payment, even after asking them in writing to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: GLA Collection Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is attempting to collect an alleged debt without having any type of documentation or wet signature of the alleged debt I " owe '' I have never heard of this company in my life. This information on my credit report is false and misleading and needs to be removed immediately. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. Litigations will be filed if this debt is not removed off my credit report. Again you are violating my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled XXXX way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia  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 2021-03-15
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My cease-and-desist letter, unrebutted affidavit, and debt validation letter have been ignored by Ally Financial since XX/XX/2021. I will include proof of tracking and a copy of the letters as well. I will submit my complaint here since I am constantly being ignored and harassed to pay something I do not owe. Pursuant to 15 U.S.C. 1692g I am requesting verification of the alleged debt. Ally refuses to cease communication and validate the alleged debt. They also neglected to notify the credit bureaus that I am disputing the debt and it is causing adverse actions. I have received numerous correspondences and threating letters containing obscene and profane language. I have stopped making payment because I am aware that I do not owe the debt. I am requesting the name of the creditor to whom the debt is owed pursuant to 15 U.S.C. 1692g ( 2 ). I am also requesting that Ally Financial provide me with the name and address of the original creditor, if different from the current creditor pursuant to 15 U.S.C. 1692g ( 5 ). 

Pursuant to 15 U.S.C. 1692h my directions to Ally Financial is to refund me {$18000.00} in the form of a check mailed to my P.O. Box that they have on file. Ally may not apply payment to any debt which is disputed. I will attach the payment history that Ally Financial provided me with that reflects that amount. 

I also request that they release the lien and give me back the title of the car. I sent Ally a recession letter exercising my rights terminating their security interest under the Truth in Lending Act, 15 U.S.C. 1635 to rescind the above referenced consumer credit transaction. I will include the letter along with proof of mailing as evidenced through USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1692c ( b ) I do not give my direct consent for Ally to communicate with any third party aside from the CFPB to notify me that collection activity has ceased and that the alleged debt is disputed. Also to notify me that a check will be mailed to me for all of the payments I have made towards the alleged debt. I only give my consent to the third party Ally Financial would need to contact to terminate the security interest in my vehicle. That includes the release of the lien that was titled in the State of Ohio. 

My rights are being violated pursuant to the Equal Opportunity Act. This is discrimination. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.

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