BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After doing a balance transfer with a USAA Credit Card, I began receiving interest charges on payments I had paid before the close of the statement. After several calls, I was informed that although it appears on my statement I have paid off those purchases, the payment was going toward the balance I transferred over. When asked where I could see the balance for which I am getting charged interest, I was informed that all they show is the rolling average but that until I pay the transfer balance, I would be earning interest charges. This led me to ask how a customer can see this " balance that is getting charged interest. '' I was told I could not see it with how their statement reads. The supervisor also informed me that the customer service reps on the front line helping customers would not be able to help a customer understand why they are getting charged interest when it appears the customer is paying on time and as they should avoid interest. She claimed to be submitting a suggestion that USAA began more transparent practices. 
This is predatory banking and needs to stop. There needs to be complete transparency within banking practices and the customers who rely on their communication and support. The USAA institution prides itself on customer care and providing for the families that protect the nation. Their practices prove they are a for-profit business with no care toward clearly calling out their practices to their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I called Wells Fargo to ask why I wasn't able to pay back my cash advance ( taken out on XX/XX/XXXXXXXX  ) in full after being charged interest ( first time on XX/XX/XXXX and was XXXX cents, second time was on XX/XX/XXXX and was {$1.00} ) on it. I was told that I had to pay my minimum credit card balance each month and the extra would go to the cash advance payment. I only borrowed {$45.00}, so I was confused on why none of it was paid since I paid {$150.00} in payments in the month of XXXX, and only {$0.00} was applied to what I owe. on XX/XX/XXXX I called Wells Fargo and asked about why I didn't have the option to pay my balance on my cash advance in full. I was told that the extra payments I made would go to the balance with the highest ARP percentage, however, both the credit card and cash advance have an ARP of XXXX. So Wells Fargo would apply my extra payments to my credit card balance, and pay basically XXXX to my cash advance, all the while charging me interest on something they won't give me the chance to pay back in full.

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 2024-01-29
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was approved for a loan by Sallie Mae on XX/XX/XXXX, the same day my mother, who reluctantly agreed to co-sign, passed away. This approval came shortly after enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX which promised employment opportunities through partnerships with various companiesa key factor in our decision to secure the loan. 

Upon starting the program in XXXX, it became evident that the promised job placement assistance was overstated. Instead of facilitating employment through partnerships, the program shifted focus to enhancing resumes for XXXX XXXX XXXX XXXX This approach proved ineffective, particularly for those with limited job experience, leading to significant attrition among my peers. Despite these challenges, and the personal hardship of my father 's subsequent death from XXXX XXXX, I excelled academically within the program. However, the skills that most contributed to my success were self-taught, rather than a result of the curriculum, which was plagued by disorganization and technical issues. 

My attempts to discuss repayment or dispute the loan with Sallie Mae on XX/XX/2024, were redirected back to the school, with only a temporary payment pause offered as a solution. Given the circumstancesmisrepresentation of the program 's benefits, the devastating impact of my parents ' deaths, and the financial burden of a loan predicated on these factorsI seek to dispute the loan. My aim is not to evade financial responsibility but to rectify a commitment made under false pretenses and during a period of vulnerability. 

I request a thorough review of my case, hoping for a resolution that acknowledges the disparity between the program 's promises and its delivery. Ideally, this would involve loan forgiveness or significant modification, allowing me to pursue more reliable educational opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I bought windows through XXXX XXXX who uses this bank. Wells Fargo. I made payments of {$1100.00} starting in XX/XX/XXXX. I had to make XXXX payments in XXXX because my checking account was compromised, if you look at the closed complaint to the XXXX  they agreed to refund my {$1100.00} XXXX payment but they sent it to XXXX Bank  on XX/XX/XXXX to my closed account ending in XXXX. The payment was retuned to Wells Fargo because the account had been closed. I made XXXX payment with my new checking account ending in XXXX. I now have another case study because this bank has NO clue of what they are doing. Case number XXXX agent is XXXX made on XX/XX/XXXX. They keep adding late charges but never call me back. I just paid what is the remaining balance of {$20000.00} today XX/XX/XXXX conf # XXXX. I am paid in full, I want the {$1100.00} and all these bogus late charges credited.

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 monetary relief
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent a job at email through my XXXX XXXX XXXX  email to become a research assistant for a professor that was on campus currently at the time when I accepted the job and discussed the job over the course of a few days and begun the job I quickly noticed that this was a scam and I lost {$420.00} on XX/XX/XXXX  through XXXX and the bank hasnt said much

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: SYNCHRONY FINANCIAL
State: ND
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX XXXX XXXX  I went shopping at JC penny. Whiles the sales girl was checking me out, she asked if I wanted to sign up for rewards and I said yes. Only to find out at the last minute that it was credit card application. My scores reduced after they deducted. I called the company to fix it the problem so that I can get my scores back and nothing was done about 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 non-monetary relief
Consumer complaint received 2024-01-23
Company: SYNCHRONY FINANCIAL
State: GA
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:
XX/XX/2023 SYNCB/MC reports an old account to the XXXX major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

Synchrony had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.

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 2024-01-22
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, and XXXX have been reporting on my personal SSN credit report a collection account from Allied Financial Services from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, allied collection service had harassed me via phone calls calling to collect a debt that I did not create or owe. 

The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. 
The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. 

Aside from the the original creditor, Allied Collection Services, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. 

For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.

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 2024-01-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or around XX/XX/year> I was charged for a order with another following the next day if not days later due to a new credit card number my account with the company was flagged so they cancelled my order but the money taken was not funded back to the account on both orders this actually happens often and I thought I couldn't do anything about it.I have edocuments to verify my claim, company also made allegations of me recieving sevices or products in most cases but not for these 2 orders I also have previous records of statements which are not the same

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: EGL US, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX XXXX  XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
XXXX XXXX failed to notify me that the debt was brought and allow me time to dispute. XXXX XXXX Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from BMG loans at work LLC with an amount of {$2300.00}. 

BMG Money, XXXX XXXX and BMG loansatwork are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days BMG is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving BMG Money authorization to contact me via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This item was Disputed and removed then XXXX  sold by XXXX XXXX XXXX for fraud and violating the no surprises act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: MicroBilt / PRBC (formerly CL Verify)
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2023-12-31
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Zions bank obtained my debt from vivint communications in 2019, I never heard from them, never had any type of communications from Them for almost 4 years until earlier this year advising me that debt had gone from approximately {$300.00} to over {$2000.00}. I do not know what interest rate Im being charged, never received any type end of year balance status or any type of communication. I have been paying the balance they say I owe this year and last Friday I asked for the balance of this loan so I can look into paying it off. The account manager XXXX XXXX went and filed a collection notice to my credit report which cause it to drop XXXX points today. The balance that was due was paid and it wasnt even 30 days past due. 
I want this credit mark removed and this company investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX was the discharged amount ; this was discharged in XXXX XXXX sold it to Hayt and Hyat which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed hisself as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until 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 explanation
Consumer complaint received 2024-01-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 XXXX took a payment for XXXX XXXX XXXX for {$100.00} from my Truist checking account causing a {$36.00} overdraft. XXXX did not send an email about automatic renewal. XXXX did not follow the rules for automatic renewal by giving notice of withdrawal. I emailed them and they refunded the Truist account. Truist did not refund the {$36.00} over in connection with that transaction, when the Vendor was at fault. 

I called Truist twice and reported a complaint, both times never receiving a follow up email with the complaint. I was told they do not refund when a vendor makes a charge and then refunds. The vendor should pay the charge if that's the policy. 

In XXXX I deposited money for a course XXXX to cover the charge. I was never refunded the original {$36.00} and was accessed another {$36.00} fee. Now Truist compounded the mistake and owe me {$72.00} in refunded fees from the original fee in XXXX. 

I want the {$72.00} refunded and interested added to this account. I've called and emailed and they have failed to rectify their mistakes.

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: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received an email from " XXXX XXXX '' at Zion Debt Holdings, LLC, wherein XXXX XXXX claimed that I had a current balance due of {$2600.00} from a XXXXXXXX XXXX account that " was not properly closed. '' The email provided a link to make the payment with a Zions account number. I assumed this was spam or some kind of phishing scam. 

On XX/XX/XXXX, I received a text message from an unknown number, claiming to be Zions Debt Holdings. The sender requested that I call their number to " resolve '' my " past due XXXXXXXX XXXX account, '' after which they would " offer to expunge it from the credit agencies. '' After this second communication, I thought it would be prudent to review my credit reports, which I did last night ( XX/XX/XXXX ). Much to my surprise, there was, in fact, a collection account reported to XXXX by Zions Debt Holdings on XX/XX/XXXX. I immediately initiated a dispute of this debt with XXXX. 

For context, I did have a XXXXXXXX XXXX  account from XX/XX/XXXX- XX/XX/XXXX. However, I terminated the account in XX/XX/XXXX because it was created under false pretenses by a former XXXX representative, XXXX XXXX. 

Moreover, even if this was a legitimate debt ( which it is NOT ), in North Carolina, a debt buyer must initiate collection efforts within 3 years of the last activity on the account. See N.C.G.S. 1-52 ( 1 ), 58-70-115 ( 4 ). In both communications, Zions claimed to have purchased this alleged debt from XXXX ( see attached communications ). Zions, however, reported this alleged debt to XXXX on XX/XX/XXXX, which was more than 3 years after my last activity with XXXX. Zions also waited almost an entire year thereafter to make a collection effort ( which failed to contain the necessary disclosures required under state and federal law ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Once again experian closed complaints today without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Closed this complaint with another lie and ridiculous explanation without addressing the issue AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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