BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an XXXX Savings account with Webster Bank AKA " XXXX XXXX '' that I have been trying to close since XX/XX/XXXX. 

I have called 4 times. Given 4 different answers on how to close this account and do a roll over to another XXXX Plan. Today I talked to XXXX XXXX about the 3 different mystery fees since XX/XX/XXXX to XXXX   XXXX and the how to close my account. She refused to refund the fees and then told me there will be a closing fee on top of all the other fees I have paid! 

In conjunction with my own attempts to roll over this account I have attempted to roll over the XXXX Savings account to XXXX XXXX and they have received no response after 3 weeks trying to roll over this account. XXXX XXXX with XXXX XXXX informed me they have received no information from XXXX XXXX. However they show online they have sent information to them 3 weeks ago. 

In the meant time XXXX XXXX has charged me 3 separate fees totaling {$8.00} since XX/XX/XXXX! 

I believe XXXX XXXX has as standard business practice to hassle and delay closures of accounts in order to extract more fees from customers who want to leave. I have found them to be extremely disorganized and manual intensive which just magnifies the problem. 

Attached you will find account history showing the 3 fees charged since XX/XX/XXXX from XXXX XXXX. 

Also you will find a screen shot from XXXX XXXX showing the status of a request sent XX/XX/XXXX to XXXX XXXX which is still pending response from XXXX XXXX to roll over my XXXX Savings Account. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I mailed two checks for credit card payments at the post office. One was to XXXX, the other to North Shore Bank. The check to XXXX cleared my checking account in five days. The check to North Shore bank took eleven days to clear my checking account. 

The XXXX statement from North Shore Bank shows the check to have been received one day late on Sunday XX/XX/XXXX and eight days after it was mailed. North Shore Bank assesses some {$70.00} in interest and fees because of this alleged late payment. 

North Shore bank has declined to reverse these fees.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXXXXXX XXXX is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT 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 2019-05-08
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discovered a Collection entry on my credit report for National Recovery Agency. I Have never received any communications from this company and don't understand why they submitted a collection entry on 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 explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXXXXXX XXXX  is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT 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 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Credit Acceptance XX/XX/XXXX At XXXX XXXX With An Annual Percentage Rate Of 22.99 % With A Finance Charge Of {$11000.00} Amount Financed {$14000.00} Total Of Payments {$25000.00} The Total Cost Of Purchase On Credit Including My Down Payment Of {$7200.00} My Total Sales Price Is {$32000.00} But I Only Put A Down Payment of {$2500.00} Down On The XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Odometer Reading XXXX They Lied About The {$7200.00} Over The Past XXXX XXXX Years Ive Asked For A More Lenient Monthly Payment But They Said No XXXX XX/XX/XXXX I Seen A XXXX XXXX XXXXXXXX XXXX The XXXX XXXX XXXX XXXX I Called Credit Acceptance The Next Day And They Said They Never Reposed The Vehicle I Called For A Week Straight They Said They Do Not Have The Vehicle I Called The Local Tow Companies The State Police For Almost 2 Years Looking For The Vehicle No One Has It Or Seen It i Got Desperate And Filed A Police Report To See If The Local Police Can Find It They Also Havent Seen The XXXX I Contacted Credit Acceptance and Explain The Problem They Only Was Concerned About The Payments When I Know For Sure They Have The Vehicle For XXXX and XXXX Ive been using Friends And Family Vehicles And Public Transportation To Get Around To Work Ect.. Its Been A Nightmare My Credit Score Is Decreasing Slowly And More Late Fees Are Being Added On To The Price Of The Vehicle After Two Years The Vehicle Was Never Charged Of On My Credit Just More Late Fees And The Balance Increased

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 2022-02-08
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by XXXX. d/b/a AVANT. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by XXXX d/b/a XXXX on XX/XX/2022, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX AVANT adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), XXXX d/b/a AVANT is now civilly liable to pay me for the damages. Correspondence has also been sent to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NC
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 was a victim of identity theft and I want these accounts removed off of my credit report ASAP!!

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 2019-07-31
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, My current Auto loan is with Santander Consumer Finance. I have made my monthly payment above the origination amounts. The payments are not being applied correctly to the interest/principal columns. 

Santader and I have has the account audit and rectified once already. I made my payment this month above the amount due and the same problem continues to happen they are applying funds incorrectly to interest/principal columns. This misappropriation is to their favor. 

I told them I didnt want to go through this every month. I mentioned to them after speaking with the executive team of the office of the president and trying to rectifying internally that if it continues to happen I would file with the CFPB along with my Attorney group. 

I have supporting documents as well as i assume their recorded phone conversations. 

I've dealt with XXXX XXXX XXXX in the executive office. I've explained to them there was a problem with there system and appropriation of funds. They clearly acknowledged after adjusting accounts but we are continuting to have the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Square Inc
State: TX
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:
my cash app credit card didnt apply the discount it offers. 
i made a couple purchases with my cash app credit card and applied a discount it offers when purchasing from different businesses. on both occassions the boost, or discount, was not applied. i tried to get my refund or boost from cash app but all they they did was send me an email with directions on how to use XXXX  and that they could not longer help me and were closing the case. I have used the XXXX  many times successfully and am aware of how it works. for some reason it didnt this time and i would like to refunded the discount it promoted. 
the complaint made to cash app is referrenced ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This is Rebuttal response # XXXX Attn : XXXX XXXX XXXX XXXX OF ALLY FINANCIAL , INC XXXX I XXXX XXXX come to you in good faith and Honor to rebuttal a Letter send by your company ALLY BANK with application # : XXXX Dated XX/XX/2023 at dealership XXXX XXXX XXXX in XXXX, FL. Where you give your reason why can't grant extension of my credit. ( VIOLATION UNDER FCRA, EOCA, TILA AND CFBP, Under 12 CFR PART 1002.4 ( Descrimination ). So ALLY FINANCIAL, INC. / ALLY BANK, claim that wasn't prepared to accept the consumer obligation if transaction was completed and wasn't agreeable to handling transaction. Meaning you accept that XXXX XXXX exercise his right under the Law Allowed him to ask for Extension of credit on " consumer credit transaction '' and you Denied his Request. The other reason was : proportion of balance to credit limit is to high on bank revolving, Serious Delinquency, time since delinquency, number of account with delinquency and number of inquiries on report. Really? Well Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning that every time a person make a report of " Late Payment '' " default '' " serious delinquency '' " banking revolving '' etc ... ..... Under 15 u.s.c. 1611 willfully and knowingly violation, No only is False and Misleading but is a fine of {$1000.00} for every report is put on someone credit report under 15 u.s.c. section 1681n. So now that reason not to grant Credit is been rebuttal, you still in violation for no Grant Credit request on Consumer Credit Transaction on Extension of my credit, on amount request with vehicle ( copy of vehicle request is attached to this rebuttal # XXXX ) violation under 15 u.s.c section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) and under 12 CFR Part 1002.4 ( Descrimination ) for not Granting extension of my own credit. When someone is exercising their rights where the applicable law allowed it, the consumer is protected by the Law, is not the Creditor opinion/condition/Limit/False or Misleading on a consumer exercising their rights to extend their own credit on a consumer credit transaction. No one can be denied extension of their own credit, refused to grant credit on amount requested and under 15 u.s.c section 1681o : civil Liability for Negligent Noncompliance. Note : attached to this Rebuttal # 1 their is copy of letter by : ALLY FINANCIAL , INC. /ALLY BANK, Denied of Extension of my Credit and Copy of Vehicle Request on a Consumer Credit Transaction. 
A Maxim of law .... Ignorance of the law excuses no one.

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 2021-02-06
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
Despite several written requests, the unverified bankruptcies listed on my report still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a COPY of the ORIGINAL documentation on file to verify that this information is mine and is correct. Your company have not sent me any documentation that verify the information they are reporting. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Your company have said the courthouse verified the public record which is a lie, I contacted the bankruptcy court and I sent a letter directly from the courthouse stating they do not verify with 3rd parties. Which I have attached to this complaint. It is also illegal to report inaccurate information on my report that has not been accurate verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). Your company have failed to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Convergent Resources, Inc.
State: IN
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:
I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not Convergent Outsourcing with My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with Convergent Outsourcing to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. 
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. 

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. 

I dont have a written contract with your company to collect this debt and you have violated my rights for years. 

Please cease and desist all calls and contact with me, immediately! 

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS 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 explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are Hard Inquiries that should not be associated with my account, If I do not or have not been officered a line of credit then they should not be pulling my credit. Please assist me as each time they do this you are aware of the cost it could impose on all of us daily. Thank you for your help.

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 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Complaint number : XXXX. 
I am reopening my last complaint ( above ) against BofA. I am not satisfied with BofA 's response. 

CFPB closed my complaint just on the basis of BofA 's first response! CFPB never bothered to confirm with me if BofA actually resolved my complaint or not!

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 2021-05-04
Company: EQUIFAX, INC.
State: CA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX  continued to bill me after I cancelled my insurance policy years ago. I told them more than once that I no longer wanted their insurance and they said on multiple occasions that I would not be billed. However, they billed me anyways and sent the bill to debt collection without contacting me. I had no idea until I ran a credit report recently. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I originally had a credit card with XXXX XXXX XXXX for several years. Always paid with autopay each month and the payment/balance were usually around {$10.00} or less. 1 charge each month to keep it from being stagnant and always paid off. The account apparently got transferred to Comenity Bank and I never received anything on the transfer. Nothing in the mail or anything. I finally received a phone call when the account was 90 days past due with a balance around {$43.00}. The autopay never transferred, and I never knew anything about it until I received that call. I immediately paid the balance in full and asked if this would affect my credit. They assured me it wouldn't as now you're paid in full. I was a little skeptical and asked to speak to a manager. Eventually the phone hung up in the transfer to a manager. I eventually received an alert that my credit score dropped. It dropped big time to say the least. You can look at my payment history and see that it was paid on time 100 % of the time with every account. I am asking that this issue gets resolved and my credit score and payment history goes back to 100 % on time. Thank you

Company response to consumer: Closed with explanation