BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Byrider Franchising, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a loan with cnac for a XXXX XXXX XXXX XXXX, which now is under recall with NO KNOWN repair solution at this time. Due to this no insurance company will cover my vehicle, and CNAC requires full coverage insurance. I had a current policy with XXXX XXXX and when it was time to renew policy was denied coverage. I requested an exception, even acknowledging that I would have to pay more for high risk, but was denied. I called CNAC and asked about picking up their insurance and was told I could add collision protection but would still need to have state insurance coverage. So I requested a payoff amount in order to try to get loan to pay off in order to not default my contract agreement of insurance coverage. The amount was more than my app even stated my total loan amount was. I requested to XXXX that they swap me vehicles that is insurable and was told that I could come start a new loan agreement but all I've pd in past is null. They would only give me XXXX in trade in value and I owe {$10.00}, XXXX. This vehicle is for my ex wife, whom is on XXXX  and I am her rep payee. She barely makes enough to pay her payments and at times I pick up her insurance premiums. She doesn't have funds to just start over with a different vehicle, nor funds to be penalized by state for not carrying insurance on a car that is being financed, by cnac for defaulting on contract by not carrying insurance or because she pays it off early just to get out of contract. Considering the fact that the XXXX isn't legally able to be used on the street and due to no fault of her own, she is unable to utilize the product of which she purchased. CNAC basically said to make sure she makes her next payment but their is nothing they will do to help resolve the issue. Would it be possible to cut the added interest and fees and only pay the vehicle purchase amount in order to help her get out of the contract deal. She shouldn't be stuck with a noninsurable vehicle yet be held for the fees and interests of the future of the loan. What can she do? Should this be a XXXX issue or CNAC?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, I was involved in an automobile accident. This accident was in the state of North Carolina where I hydroplaned from bad weather conditions. Due to this event, it lead me to hardship because that was my only vehicle I had in the in state. I was involved in a subrogation between XXXX XXXX, XXXX XXXX, and XXXX XXXX. I purchased gap coverage insurance at the time I got the vehicle. To my knowledge, I had full coverage and the vehicle was deemed as a total loss. The vehicle was seized by the insurance company and their was no offer to settle of any. XXXX XXXX has not contacted me. Even though I have wrote several letters dating to this year on XX/XX/XXXX about the matter. They still continue to damage my credit and report falsely with balances that should not be owed. This company obligations to uphold the federal law for reporting has failed in my eyes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
USAA has long reported a credit card debt charge off against me. Ive never received proper documentation discussing options nor interest associated with charge off in accordance with FDCPA and truth in lending.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent in an early payment last month to Bank Of America ( XXXX checks as XXXX checking accounts are used to pay my bills ). This should have zeroed out the balance on my account. True to form, this was just too complicated for BofA. This payment did not get there in a timely manner so I had to have my bank -- XXXX XXXX XXXX- stop payment on these XXXX checks and I issued XXXX new checks to cover the previous month 's balance and addition charges as I am considering cancelling the credit card. BofA is just too difficult to deal with... XXXX XXXX was only able to stop payment on XXXX check and now BofA claims I owe them the amount of the check that was not stopped. I have already paid that amount and even more with the second set of XXXX checks!!!! BofA will not return my phone calls nor answer my emails! Please help!!! I had a credit of {$1800.00} and now they claim I owe {$780.00}. What a mess!!!

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 2024-02-06
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DIVERSIFIED ADJUSTMENT SERVICE is in violation of the Fair Debt Collection Practices Act ( 1006.34 Notice for validation of debts. ) to send a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days. DIVERSIFIED ADJUSTMENT SERVICE now in violation of the FCPDA, and are now subject to fines of {$1000.00}. I have no knowledge of this account and believe this account was open fraudulently. A collection is by default late and past due, this account due to inaccurate reporting is in violation and damaging my credit report.

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: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I request that the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed.

3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future.

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done.

I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Wells Fargo XXXX Credit Card had a balance of {$11000.00} ( the " XXXX Statement Balance '' ) for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which is due on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$10000.00}, which reduced the remaining XXXX Statement Balance to {$1800.00} ; on XX/XX/XXXX and XX/XX/XXXX, I received several refunds totaling {$1200.00}, which further reduced the XXXX Statement Balance to {$680.00}. The XXXX Statement Balance remained {$680.00} until another refund of {$59.00} was received on XX/XX/XXXX, which resulted in an unpaid due of the XXXX Statement Balance of {$620.00} on the XX/XX/XXXX due date. On XX/XX/XXXX, I received my statement for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which indicated that I owed an interest of {$140.00}, calculated based on a 24.49 % APR on a {$6800.00} balance. 

I called Wells Fargo for a calculation of the {$6800.00} balance, and Wells Fargo responded that this was the " average daily balance '' of my " XXXX statement '' but refused to provide more detailed explanation or calculation of such {$6800.00} balance. 

My complaint is two-prong : 1. Throughout XXXX, Wells Fargo was showing me on their mobile app that I have {$0.00} remaining balance of my previous statement. This false and misleading information is the direct and proximate cause of my not paying off the {$620.00} remaining XXXX Statement Balance that were overdue after XX/XX/XXXX. 

2. Even if Wells Fargo is not liable for providing the false information, the overdue balance I had was {$620.00} for a period of 5 days until being paid off. It is utterly unreasonable and unconscionable to charge {$140.00} interest on the {$620.00} balance overdue for 5 days, which equals to a 1648.95 % effective APR. It should not matter how Wells Fargo calculated the pretextual {$6800.00} balance, especially when Wells Fargo also failed to provide any calculation of such balance that the interest was based on.

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 2024-01-19
Company: U.S. BANCORP
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed that yet another unauthorized payment had been charged to my account. I called to have the payment canceled the representative was rude and misgendered 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 2024-01-17
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid 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 explanation
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX I learned that US Bank had a lien on my vehicle. This was a shock to me as I did not borrow any money from US Bank to purchase the vehicle. I never had a loan of any sort from US Bank. So the lien was an obvious error to me. 
I went to a US Bank branch office in XXXX XXXX, Wisconsin to get the matter resolved. The branch told me they could not assist me that I had to call an XXXX number. So I called the XXXX number to request the lien be waived. The US Bank representative told me I had to show proof of lien to them via fax before they could take any action. So I went to the XXXX XXXX XXXX XXXX XXXX  ( XXXX ) to obtain proof of lien. I then brought proof of lien back to the US Bank XXXX XXXX XXXX and requested they fax the proof of lien. I also asked the branch manager to make a call on my behalf as I was caught in an administrative snafu and needed the lien released so I could sell my car. The manager told me there was nothing he could do to expedite the matter. So I called US Bank again to inquire about the fax and was told to email the documents to them. So I emailed the documents to US Bank. I called again. Spoke to someone who could not help me and tried to brush me off but I asked to speak to a manager. Eventually I spoke to a manager and she said she would look into it. After much back and forth the manager said she would call me back around XXXX XXXX XXXXXXXX on XXXX I am still waiting for the call back. Of course I called back. I called again on XX/XX/. No movement. I am still waiting. 
All I want is the lien released. There is no loan. How can a lien be on a vehicle when there is no loan?

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 2024-01-17
Company: M&T BANK CORPORATION
State: PA
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/ I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/ without my permission

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 2024-02-06
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I made some arrangements with the company before, they first made me numerous calls, they always said if I dont pay they will take legally actions, they told me what was about, but never send me the receipt or prove of my payments or the balance of the debt. I stopped working, I wasnt able to pay the debt, they started calling me, when I wanted to confirm the company of debt, this guy named XXXX XXXX talked to me very rude, he gets angry very quick and doesnt care about your situation, he asked me to shut up and let him talk. This is one of the voice mail that he left : Yep, my final call for XXXX XXXX XXXX XXXX was unfortunately chosen to ignore your obligations to my client XXXX XXXX. You broke the terms of your payment aquarium and you don't return phone calls you don't respond invoices. Full-time job babysitting you Obviously born XXXX XXXX you should need a babysitter this point this is your obligation you got a resolve for years ago Yeah, we know that So we're moving forward legally I'm done with this game XXXX XXXX hours once I don't hear back from you or your attorney by tomorrow the XXXX He is been calling with private numbers, sending emails and I had a report in my credit 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 2024-02-01
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
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 Subject XXXX Dispute of Charge-Off, Down Payment, Credit Inquiries, and Removal of Hyundai Finance from Credit Reports Account number XXXX To Whom It May Concern, I am writing to dispute several issues related to my account with Hyundai Finance Company, as well as to request the removal of Hyundai Finance from XXXX and XXXX under Section 609 of the Fair Credit Reporting Act ( FCRA ). Furthermore, I request a cease and desist, and the release of vehicle titles and forfeiture of the vehicle contract. 

1. **Charge-Off and Down Payment Issue** : I am disputing the charge-off status on my account, as I believe the down payment made was done so under questionable circumstances and may have been illegal under U.S. Code 1666a. I request a thorough review of the down payment transaction and the charge-off status on my account.

2. **Credit Inquiries** : My credit was run in remedy, as stated in U.S. Code 1662 and U.S. Code 1635. I was not adequately informed of this action, nor did I authorize the credit inquiries made on my behalf. I request clarification and resolution regarding these credit inquiries. 

3. **Removal of Hyundai Finance from XXXX and XXXX : Hyundai Finance has been removed from my XXXX credit file, and I request the immediate removal of Hyundai Finance XXXX XXXX XXXX and XXXX credit reports under Section 609 of the FCRA. The inaccurate reporting negatively impacts my creditworthiness and financial standing.

4. **Cease and Desist Request** : I request that Hyundai Finance cease and desist all reporting activities related to my accounts. Please refrain from further reporting to any credit reporting agencies regarding my accounts, as it is my right to request such action under the FCRA. 

5. **Request for Vehicle Titles and Forfeiture of Vehicle Contract** : Furthermore, I request the immediate release of vehicle titles associated with my accounts held by Hyundai Finance . I hereby forfeit the vehicle contract associated with the aforementioned accounts and request that Hyundai Finance take the necessary steps to facilitate the return and transfer of ownership of the vehicle ( s ).

I expect a prompt response to this letter within the statutory timeframes outlined by the FCRA. If you require any further information or documentation, please do not hesitate to contact me at 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 2023-11-14
Company: EQUIFAX, 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:
I have a credit card from XXXXXXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023, and XX/XX/2023, XX/XX/2023. There was an error on their part. I was never 30 days late on these dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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