BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL 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:
in accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
I have a claim in for breach of information and a fraud report filed with FTC. This is verifiable. I filed bankruptcy and it was discharged however this credit bureau still have fraudulent inquiries on my report and accounts that were included in my bankruptcy and should not be showing delinquent and or on my report at all.

The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also, have asked them several times why is my score so low because I feel it is a form of retaliation because I do not have any bad accounts, lates and the inquiries are wrong, I DO NOT HAVE A STRIDE BALANCE and The amount on my Revvi account is incorrect.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I accidentally over drafted my checking account. My Wells Fargo overdraft protection kicked in and transferred money from my savings account to my checking account. However, once this transfer happened, my savings account was now below the minimum daily balance amount, which means I could get charged a XXXX XXXX monthly service fee. However, I rectified the issue immediately. The same day this happened, I transferred more money into my savings account, bringing my balance above the minimum daily balance amount. To be clear, because I transferred the money so quickly, my account was below the minimum daily balance for only a few hours. By the end of the business day, my account was above the minimum daily balance. That means I shouldn't get hit with a service fee. 

But of course, Wells Fargo charged me a service fee anyway. When I called Wells Fargo to have this reversed, the agent on the phone listened to me explain what happened. She then used a tool that she called something along the lines of " the automated complaint resolution tool '', which offered to cut the fee in half. That was unacceptable. I confirmed with the agent that " minimum daily balance '' does in fact mean your balance has to be above that number at the END of the day and that I should have not been charged the fee for going below it for a few hours. Finally, she agreed to reverse the whole fee. 

I just read an article about the CFPB fining Wells Fargo for all kinds of misconduct including wrongfully charged fees. It says that Wells Fargo has stopped these practices. That's not true, and what happened to me proves it. With the number of customers Wells Fargo has, there's no way they manually check every account balance and have a human assess the fees. That means it wasn't human error that led to me being erroneously charged a fee. They have automated systems that are programmed to be super aggressive with charging fees. And this automated resolution tool is designed to not refund fees, even when they should be. My situation is resolved, but how many people is this happening to? A few XXXX a year? 

Details Overdraft protection transaction : {$1400.00} on XX/XX/2022 Me transferring in funds to get above the minimum daily balance : {$2400.00} on XX/XX/2022 Monthly service fee : {$10.00} XX/XX/2022

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 2022-06-09
Company: Innovate Managed Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Innovate Auto Financial is not reporting my payment record to the two credit bureaus they say they report to ( XXXX and XXXX ). This is affecting my credit negatively and preventing necessary purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Avant Holding Company, Inc.
State: NJ
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:
This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: ACIMA CREDIT, LLC
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:
XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine Acima Opened XX/XX/XXXX Account # XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a victim of ideninity theft trying despertly to resolve unauthorized charges Statement of XX/XX/XXXX has 16 Adjustment Purchases XXXX that are UNIDENTIFIED and New Purchases UNIDENTIFIED in the same amounts XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE IDENTIFY THESE who merchant why a new charge. I need to know what it is I am paying for Why does truth in lending statement say TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00} I made payment {$77.00} and Account Summary says other credits {$700.00} PLEASE IDENTIFY these {$700.00} credits. IF MORE THAN {$450.00} WAS CREDITED THIS IS NOT A TRUTHFUL TRUTH IN LENDING STATEMENT IF ONLY {$450.00} PAYMENTS AND CREDITS REALLY APPLIED THEN I Am owed more credits Consumers cheated. Is statement UNTRUTHFUL or was I cheated out of credits I deserve? ALL CREDITS. GIVEN WERE TAKEN BACK How could this produce two credits for one purchase to legally charge it back If credit taken back it was never given How can you take back what you did not give without CHEATING CONSUMERS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I used my credit card to pay for a XXXX XXXX transaction ( sending money through XXXX XXXX ). I chose to pay with the credit card because in the payment option menu on XXXX XXXX the fee was less than if using a debit card or paying in person. However, the bank charged me a {$10.00} " Cash advance fee ''. I believed I was using credit. XXXX XXXX gave me no reason to believe this would be anything other than " Credit '' if I used my credit card. However, the bank processed it as a cash loan from my credit card. The bank also did not show what the " Transaction Fee '' was about on the statement ; I had to write to them to explain what it was. Because of that, I made the same mistake 3 times and kept paying XXXX XXXX with the credit card. They refunded the first fee but they refused to refund the other XXXX. This is the message they sent me ( this is only part of the full message ) : " XXXX, after review, I confirmed that the {$19.00} XXXX XXXX charge on XX/XX/2022 was a Chase fee and can not be refunded. 

In addition, I see that we already adjusted most fees associated with your XXXX XXXX. Although the XXXX transaction fees left was declined upon careful consideration. 

We know this may not be the outcome you were hoping for today. We hope you trust our decision and efforts in serving your financial needs. '' However, previously they sent this message ( this is only part of the full message ) : " Also, we have refunded the {$10.00} cash advance fee that posted on XX/XX/2022. You will see this adjustment on your next billing statement. 

On the other hand, the option to submit a refund request for the cash advance transaction fee for the {$19.00} XXXX XXXX charge that was made on XX/XX/2022 is not available as of this time since the transaction is still pending. Once the fee posts, kindly reply to this email or call the number on the back of your card and we will be able to submit a fee refund request. Kindly also note that this kind of requests will be subject for review and approval. '' These are some of the junk fees that are in the process of being outlawed, and the bank was warned by me that I would be complaining, but they believe they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this on my credit report. It is not belong to me. It is 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 2022-12-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I obtained an auto loan for a new vehicle from Prestige Financial on XX/XX/XXXX. I have made all of my payments on time, as agreed. In XXXX of XXXX I was made aware that this loan is not on any of my credit reports. I contacted Prestige via email, questioning why they were not reporting my payments to the credit bureau 's. 

XX/XX/XXXX I received a response from Prestige stating that they had reviewed my account history. She stated that my last XXXX payments were made after they had already reported for the month of XXXX and that it was scheduled to update with their XXXX credit file but she had sent a manual update to the credit bureaus. 

XX/XX/XXXX I asked which credit bureau she sent the manual update to. 

XX/XX/XXXX She stated that it was sent to all XXXX XX/XX/XXXX I replied stating that my auto loan still was not showing on any of the credit bureaus. I told them I wanted my payments reported to all XXXX bureaus with proof. 

XX/XX/XXXX Received a reply stating that they were able to see that my 'account was not reporting. ' She stated that she had sent a request to get it added back on ( was never on to begin with ) but she could not guarantee that it would be 'put back on. ' In order to find out why my account was not reporting or if the request was accepted, she suggested that I contact the bureaus. 

I am paying my loan as agreed but they are not reporting my payments as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Mercedes Benz Financial Services
State: CO
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:
Mercedes Benz stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling Mercedes to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by Mercedes after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}

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 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022, I paid funds into my account after struggling with paying due to covid. The amount paid was roughly {$11000.00} to The Money Source. The reason I paid this amount is because XXXX Florida program would not pay any funds more than {$50000.00}. The account which was roughly {$260000.00} in outstanding funds was than lowered to {$240000.00}. XXXX Florida than disbursed {$49000.00} to the account which should have lowered the amount to {$200000.00} however The Money Source did not apply all these funds and the account sits currently at {$210000.00} which puts a short of roughly {$11000.00}. I have contacted The Money Source several times and they are not assisting with correcting this amount. At this point it appears the funds are misappropriated. I have notified XXXX Florida for potential fraud and currently searching for an attorney to address the matter. This is potentially heading to a lawsuit and if not resolved I will pursue criminal charges against The Money Source. I will also notify XXXX XXXX XXXX is this matter us not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: PA
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, these accounts have violated my rights : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of scam to purchase a puppy where I paid {$300.00} for a puppy and I never received the puppy. I used XXXX through 5th Third for the transaction and XXXX and XXXX are stating that they can not refund the money because they can not get the money from the person the money was sent to. XXXX  had returned the funds and then without notice to withdrew the funds from my account. My case number with XXXX is Case XXXX. 

On XX/XX/XXXX I was in contact with XXXXXXXX XXXX  on XXXX who stated they were in XXXX and had these cute little puppies. They had sent pictures. I picked a puppy and sent them a {$300.00} deposit. Once I started to ask if my friend that lives in XXXX could come see the puppy, things went a different way and I realized that I had been scammed. I immediately called my bank and told them that I had been scammed. The opened a case. After 10 days they had returned the {$300.00} to me. On XX/XX/XXXX the withdrew the money from me with no notification. When I called they stated that XXXX could not get the money from the scammer so since I approved the transaction they had to withdraw the money from me. 

I then tried to contact the scammer and it was a XXXX number and also their XXXX  page has been closed. They did text me but of course no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Merchants' Credit Guide Company
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Merchant Credit Guide Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation