BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a Regions Bank XXXX, Alabama account online in the last week a XXXX XXXX account. I called them today XX/XX/XXXX about other matters and simply asked about if I decided to close the account in the future do I need to go into a branch since I did not see a closing option online. I was told that a " {$25.00} charge would be assessed on any account open for less than 180 days ''. I have the printout of the " Personal checking, Money Market, savings, Time deposit & IRA accounts Pricing schedule '' ( effective XX/XX/XXXX ) on opening the account and nowhere is that charge mentioned. I think that that may be consumer fraud.

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 2023-01-26
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, 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/XXXX. Ally financial has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I need you to look properly at the documents that I've to understand what happened to me and my credit report.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights 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 an account without my written instruction.

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Wells Fargo Auto regarding this unauthorized inquiry to my consumer report that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Wells Fargo Auto. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Wells Fargo Auto sent off on XX/XX/XXXX stating that they received an electronic loan application that I didnt have any knowledge of or did not submit any loan application. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.

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 2023-10-11
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sat on hold for Nelnet for almost XXXX hours and was unable to get in contact with anyone. I tried their chat, website, and phone was the last option. It should not be that hard to talk to someone about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing in regards to a 30 day late payment in regards to my Merrill Lynch Bank of America credit card. The late payment was approximately {$2.00}. 

Info : - I have had the card open since XXXX and have autopay established since my first e-bill. I have never missed a payment in the XXXX years. 
- I opened a BoA checking account in XXXX. Due to consolidation of our finances with my wife, I closed the BoA checking on XX/XX/XXXX. 
- I was live chatting with XXXX from BoA on XX/XX/XXXX and she said that because I closed the checking account : your bill pay profile was switched to a credit card only profile and that removed any payment information and autopay set up under the other profile. 
- I never received any communication that this would happen and wasnt told by the live chat rep when closing my checking that this would happen. 
- I only received notice that I had a missed payment from XXXX XXXX credit monitoring that I had. I quickly paid the {$3.00} that night. 
- I had simply assumed that my autopay of XXXX years would work, considering my pay-from bank account to my credit union never changed. 
- I noticed BoA never charged a late fee ; I certainly would have noticed a fee on my statement but never thought anything over the $ XXXX on the statement. 

I have major concerns with Bank of America 's inability to help with this, especially since Bank of America canceled my credit card autopay without informing me. When I live chatted with Bank of America to close the checking account back in XXXX, I was never informed that this changes my profile and removes my autopay ( how would I as a consumer know this? ). 

Hopefully a one-time good will adjustment can be made in my favor due to the unfortunate 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 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Apple Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit 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:
XXXX states claims resolved within 90 days. I have claims over a year and the company doesnt provide documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16
Company: Ability Recovery Services, LLC
State: IN
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:
1.ability recovery services llc 2XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to.. 
15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft

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 2023-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
A few week

s ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-05-05
Company: Shellpoint Partners, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mortgage company says my payments are 30 days late and also say that Im bankruptcy. Keep on getting letters.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX As an existing credit card customer I contacted Wells Fargo to make a product change from my existing XXXX card to their cashback card offering the following promotion : " Earn a {$200.00} cash rewards bonus when you spend {$1000.00} in purchases in the first 3 months. I exceeded the {$1000.00} in purchases within the first month. Contacted XXXX and was told I didn't qualify as this was not a " new '' card and that " changing products '' did not qualify. 

At no time during the conversation to change to the different card, nor in their online agreement does it state that I was not eligible for the {$200.00} cash rewards bonus and yet with the exception of one representative, they say I'm not eligible. The one representative, XXXX XXXX, later agreed with my claim, she however did not have the authority to credit my account and so I was transferred to her supervisor who I left a voicemail for. This supervisor did not return my call. After many more calls, requests for escalation in an attempt to have a conversation with a supervisor, not one supervisor returned my calls. To date, Wells Fargo has yet to provide proof that I don't qualify for the promotion. 

Following are the dates I contacted XXXX along with the representative or supervisor and the case numbers. 

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 left voicemail XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX, later requested to be transferred to her supervisor, voicemail left XXXX XXXX XXXXXX/XX/XXXX : Left message for XXXX 's supervisor, name unknown, voicemail left again. Return call not received XXXX XXXX Link to the promotion and terms/conditions : XXXX Thank you in advance for your assistance.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 I realized that there was a collection on my Transunion credit report from Defense Finance & Accounting Services ( Dfas-de/fydc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I contacted DFAS to determine what this debt was for in XXXX and was told by a representative that there was an error and I actually overpaid DFAS and was owed a refund so they would remove the debt from my credit report and send me a check for the refund. I also disputed the account with Transunion in XX/XX/2023. 
XX/XX/2023 the negative account from DFAS was reported to the credit bureau once again and Transunion validated the account as accurate/remains from my XXXX dispute. I called DFAS and was told that they found another debt in their system so I wouldn't be receiving a refund, but the overpayment was enough to cover the new debt found and that they would request the current debt on my credit report be removed once again but it could take 30-45 days. 
XX/XX/2023 the negative account with DFAS was reported to Transunion once again. I called DFAS and was told that the request to remove the negative account from my credit report was for the new debt that they found in their system and not for the debt that was actually showing on my credit report. I was told that the request would be resubmitted and that it could take 30-45 days to be removed. 
XX/XX/2023 the negative account with DFAS was reported to Transunion yet again and this time I was told by the representative that the request to remove the debt had never been submitted and that she would submit it and send an email confirmation to my personal email address. She sent a generic email that doesn't detail to who she sent the request to remove the debt. I contacted Transunion by phone to file another dispute of the debt. 
XX/XX/2023 and the negative account with DFAS has been reported to Transunion once again. 

At this point I feel it's pointless to contact DFAS about the debt. Over the past 5 months the only thing that changed each month was the status of the debt or the amount owed. This is a debt that I never even had and they are refusing to remove it from my credit file. I am in the process of trying to buy a house and this has greatly hindered that process.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Per the Fair Credit reporting act 15 USC 1681 section 602. XXXX an XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.

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