BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
They keep blocking my account I could not put money in my account and they kept giving me over draft fees now I can't get in my account at all.

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 2023-02-13
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
On XX/XX/XXXX, I enrolled in a promotion with Ally Bank. stated that I could move money into a new CD, and earn a 1 % bonus, up to {$500.00}. The promotion details are shown in the attached " allybonus.png ''. 

On XX/XX/XXXX, I had met the funding requirements of the promotion. I took advantage of the promotion fully by moving {$50000.00} into my new CD. Given this, I expected to earn the full {$500.00}. 

On XX/XX/XXXX, Ally closed my CD account, and sent me a check with the funds. I did not initiate this closure at all. I expected at least that the check would include the {$500.00} promotional money but it did not. 

On XX/XX/XXXX, I called Ally inquiring if I could receive my promotional {$500.00}. They said that they would not be awarding me the bonus. This is not fair, as the money remained in the account until XX/XX/XXXX, which is the requirement for the bonus. Even since they decided to close my account, it's unfair that they can refuse to pay me my bonus. There are many options to park my money, and if I had known Ally would have done this, I would have simply put it in a different bank with higher interest, back in 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 monetary relief
Consumer complaint received 2023-06-14
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Planet Home Lending is the current Loan provider for my personal VA loan. My house is on the market and another Veteran is interested in assuming the VA loan for my home. 

I called Planet Home Lending to verify the assumption process and find the next steps. ( XXXX ). 
The customer support collected the potential buyers information, then told me the process could take up to 6 months to complete, per their internal policy. 

I called their company again ( XXXX ) to verify the 6 month process, and their front facing customer support personnel ( a new a different person ) told me the same thing. They refused to elaborate on the process and told me that was their policy. After I informed them I would be taking this up with the state, VA, Consumer finance, and a personal XXXX complaint ; they proceeded to " review '' their policy for 20 minutes. Then they told me their policy was actually for a 2 month turn around for loan assumption processing. 

The VA has policy out since XX/XX/2023 ( Circular XXXX ) that makes this a 45 day process for loan providers to move VA assumptions. It also states that if it takes longer than that, we are authorized to request VA involvement, and possible shifting of loan underwriting to the VA. 

this company has a customer support policy to tell veterans unrealistic and scary timeframe turn arounds on beneficial programs, that would save Military and Veteran personnel financially. It directly support the Loan industry to scare veterans from a lengthy process. If I did not press the issues and call the VA, and instead just pushed their policy to the potential buyer, I may have lost that potential buyer.

This is predatory in nature, and the fact that two separate customer support personnel gave me the same information up front, but had follow up information after pressed, shows a disregard to the VA policies and to veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Money was left in my account and wells Fargo closed it without dispersing XXXX fund 's

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX ) Wells Fargo takes overdraft fees from my account for transferring money from XXXX account to the next when I was told that overdraft fees of XXXX dollars would not be added to my account which has cause my account to go into overdrawn with status on a numerous occasions XXXX occasion is when my card was charged for XXXX XXXX car the amount that was charged to my card was in between XXXX and {$400.00}, when I called and put a stop payment on the transaction and went through the process of disputing this transaction the money will still taken and paid. 
XXXX ) I was clearly told that the accounts that I have with Wells Fargo would not be charged a fee every month because of the type of accounts that I have, which are that I have to have a certain amount of direct deposits to my accounts in order for the accounts to be free, I have been constantly charged account fees and the amount of {$12.00} every month to accounts that are not supposed to be charged because I have direct deposits that go onto these accounts.

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 2023-01-22
Company: Open Dealer Exchange, LLC
State: NY
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:
Different dealerships pulling my report & i never authorized any use of pulling my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NV
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:
By the fair credit reporting act, this credit has violated my rights. Under XXXX5 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.

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 2023-06-14
Company: ACIMA CREDIT, LLC
State: OK
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:
I settled it in XXXX if XXXX and I called XX/XX/XXXX to find out why its showing I owed {$2100.00} still and no explanation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company alleges i owe them a debt but after numerous attempts to validate the alleged debt they refuse to answer validation questions. at this point the validation period is long over with a 30 day response window AND went un rebutted and this alleged debt is now illegally attempted to be collected. and they have violated FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had a checking account with Wells Fargo for over 10 years. On XX/XX/XXXX, while on vacation in XXXX, I received an email from Wells Fargo that they had detected some unusual activity on my Wells Fargo Debit Card ending in XXXX. At this time, I also received an email alert that someone had changed my password and changed the phone number associated with my account. I did not make these changes. 

I immediately contacted Wells Fargo and they assisted me in closing my account, canceling my debit card, and filing a claim for the following fraudulent transactions made in California : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA {$1000.00} XX/XX/XXXX ATM Transaction XXXX XXXX XXXX CA {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX {$250.00} Wells Fargo issued me a new debit card and a new account number ( ending in XXXX ). On XX/XX/XXXX and XXXX, I received alerts of two new charges on this new account, even though I had not yet received my new debit card in the mail. I immediately called Wells Fargo again and was told that my original claim had been closed ( reference number : XXXX ) as they had determined I had made those transactions myself. As I did not make these transactions, was not in the state at the time, hadn't lost my debit card, or changed my account information, I informed them that I had not made those transactions and refiled a claim ( reference number : XXXX ) as well as a complaint. 

On XX/XX/XXXX, I contacted Wells Fargo again as I hadn't received any updates about the resolution of my claim or complaint, and I was then again told my claim had been closed. Wells Fargo had credited my account for the amount of the two new charges from XX/XX/XXXX and XX/XX/XXXX ( totaling {$63.00} ) but had denied my claim for the fraudulent transactions on XX/XX/XXXX ( totaling {$2200.00} ). 

At this time, I filed an additional complaint with Wells Fargo ( reference number : XXXX ) and was told that were no other avenues for me to take to recover the {$2200.00}. Throughout the duration of XXXX XXXX XXXX, I did not lose my debit card, share my PIN with anyone, or make the transactions outlined here and I would like {$2200.00} restored to my account.

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 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing this complaint to CAPITAL ONE AUTO FINAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Our new ATM cards were mailed to us by regular XXXX mail, without a warning from the bank that the cards had been sent, then they were somehow stolen from our communal mailbox after delivery. The cards were activated by a third person then used at a casino for over {$1000.00} on XXXX XXXX XXXX After a fraud report was filed with USAA, they credited our account back for the amount fraudulently spent. We also contacted the police after the theft and have the case number available. 
XXXX XXXX XXXX USAA took back the credit for the stolen money, and without ever having contacted us, they alleged that the use of the card was not fraudulent because it was in the general geographic area where we live. 
We contacted USAA to ask about the fraud report and spoke to a representative almost XXXX later. The representative said that the person who used the car did so as an authorized user. They said that the person who stole the card called USAA to activate it and the bank, for some reason, added him to our bank account without any other information. We resubmitted our fraud claim with this new information XXXX We are still missing $ XXXX from our bank accounts and have spent over XXXX hrs on the phone or email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Date open XX/XX/XXXX, Charge-off XXXX, XXXX XXXX XXXX XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..

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 2023-01-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Date open XX/XX/XXXX, Charge-off XXXX, XXXX XXXX XXXX XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: TN
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 requested that JPMCB cease and desist all communications and negative reporting from my credit report on XXXX and remove the closed accounts. JPMCB has agreed to stop communications with me but continues to report negative activity on closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Atlanticus Services Corporation
State: SC
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:
Fortiva overcharges on interest and maintennace fees. They also do not want to renegotiate terms with people who have their accounts in better than good standing, like me. Here is a link to some of the outrageous fees and rates they charge : https : XXXX 

I only opened it to re-establish credit/improve credit. I am on XXXX and want to have a card in case of emergencies, and don ; t want to pay {$150.00} per year just to have a card open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Never received the gap insurance refund

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 2023-03-01
Company: Experian Information Solutions Inc.
State: WI
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:
I have some credit accounts all my credit report I have 14 delinquents on my credit report saying that payments are reported late I have bank statements that shows the months that they saying I didn't pay I paid in months that I did miss I paid 3 to 4 times and one month to these accounts and I tried to call them to fix them and send the three credit bureaus might prove of my bank statements and this matter haven't been inside I didn't know that you you paid the payments but still get reported as late is well I don't know what to and I'm asking for them to be fixed because the months had got paid and I am getting taking advantage of by the credit bureaus and the Creditor I'm showing my bank statement that ACH and debit payments that I paid them and they still are reporting them late I just don't know what to do and I don't know if y'all can help 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 2023-01-23
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX. Amount : {$38000.00}. XX/XX/2022. The information they are reporting on my credit report is inaccurate. I reached out to the company and requested a copy of the contract and any consent forms with my signature but to no avail. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account 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 instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.

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