BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am a XXXX XXXX  and have a business account with US Bank I have been using an advertising company on an app called XXXX and on XXXX there was a new company approached me to use their service as well. 

After quickly thought about it and I decided to move forward to add a new advertising source but turns out they are scam. 

I transferred {$350.00} to the scammer via XXXX and called US Bank to file a claim on XX/XX/ after noticing the scam but received a letter from US Bank stating they decline the claim which I think makes no sense given the fact the transaction was a scam. 

I filed a FBI report about the incident as well.

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 2023-07-03
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First problem I have with PenFed credit Union. Is it's been 2 years I have no copy of contract I do not have title to my truck that's supposed to be in there according to Missouri state law is a right to title state. 
Second problem I have with PenFed. Is they were supposed to refinance my truck at what I still owed on it which would have been a little over {$21000.00} because I had already paid almost {$7000.00} to XXXX who had the note first. Instead they refinanced it for the full {$27000.00}. They are stealing money from customers. They are supposed to take out the payments the third week of the month. But they claim that their computer can't be set up for the third week of the month. Everybody else ACH is my account the third week of the month. So I told him that I blocked him from my account and I would send money orders the third Wednesday of the month when my XXXX comes in I go get a money order for the amount and put it in an envelope and drop it at the post office that same day. Now over a month later they're telling me that they hadn't even got the money to pay money in and they haven't got the XXXX payment yet. They keep trying to charge me return check fees and late fees which I'm not paying. This company is the worst finance company I have ever worked with.

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 2021-03-17
Company: EQUIFAX, INC.
State: PA
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 recently submitted a report with XXXX  about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the XXXX XXXXold me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had originally took out a {$5000.00} private student loan through Sallie Mae. The loan was then sent to Navient for servicing. I have been paying on the loan for 10 years. I've paid over {$9000.00} on a loan that was only {$5000.00} and still have a balance of {$1600.00} left. I was told that the rate was variable which was never discussed with me when I took out the loan. Currently the interest rate on the loan is 15 % and I was advised that nothing can be done to lower it because it is based on the federal reserve. At this rate, I am never going to be able to pay the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
In XX/XX/2018 I cancelled my old auto insurance XXXX XXXX XXXX. Co.policy # XXXX with plenty of time to switch to my new auto Insurance XXXX XXXX Direct Auto policy # XXXX. They have inaccurate information reporting that I failed to pay a balance of XXXX when in reality they failed to accept my auto insurance cancellation request. I made the request in a timely manner to avoid any problems. I asked XXXX to forward my new policy to XXXX, they assured me that they would forward the proof on my behalf. XXXX clearly did not uphold my request to cancel my policy with them. This is why I am disputing their inaccurate information put on my credit report. 
This inaccuracy has affected my credit which has been denied in the last 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent TransUnion and XXXX XXXX letters, and documents of proof that the account is not mine. I have also let XXXX XXXX  now that the address that they are reporting on the account is not mine. I have never lived there. Its not reported on my credit report because its not an address associated with me. I have let them know this multiple times along with cinnamon documentation that shows my actual signature along with me stating that my information was stolen years ago. That includes my Social Security, my ID and a lot of other important documentation, including my birth certificate. This account was open without my knowledge which is fraudulent, and it needs to be removed from my credit 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: DISCOVER BANK
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have tried repeatedly to close out the secured credit card with Discover and each time I am met with opposition. They allege that I owe money on it. I have asked for a bill to be sent to me and to have the payment options included and everytime I ask I can not get it. Now I check my credit score today and they closed my account and charged it off as bad debt. This is beyond unacceptable. As the cherry on top of the cake they put very derogatory remarks on my credit report and my credit score went from a XXXX to a XXXX. 

Discover refuses to help. They wont let me pay my balance off and close it. So now Im still stuck between a rock and a hard place. I dont want to get an attorney involved but I am afraid if they don't help me with removing the derogatory remarks and let me close my account for the past due balance that I have been trying to pay for literal months I will have to retain one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: ALLY FINANCIAL INC.
State: LA
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you

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 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-08-08
Company: United PanAm Financial Corp.
State: CA
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:
United Auto credit ran my credit without my authorization, this caused my credit score to go down. On XX/XX/2019 I received a notification from my credit report that they have ran my credit. I did not submit my information nor have I authorized them to pull my credit. I have called their customer service number same day and asked for them to remove the inquiry or send me a letter that they did not have authorization to run my credit, they declined to do so. 
I am seeking for assistance to have this issue resolved as they now have all of my personal information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used Chase Travel to book a flight for 4 persons XX/XX/XXXX XXXX, the airline cancelled the flights. I requested that chase refund me the $ or points I used to purchase the flight through Chase TraveXXXX. Per XXXX regulations airlines are required to offer refunds when a flight is cancelled. Chase refused to refund the money/points spent to purchase this flight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BROKER SOLUTIONS, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/23 I requested information on a HELOC through XXXX, indicating my desired loan amount, credit score of approximately XXXX, and state of the house. This lead me to their approved partner, New American Funding, indicating that the could fulfill my request. Immediately following submitting my information, I received a phone call from their business, in which I was asked a few questions, I restated that I was looking for HELOC, the amount, my credit score of approximately XXXX, and other personal information. At this point they requested that I submit a full credit application for a hard inquiry. I had already stated both in writing and verbally that my credit score was approximately XXXX, which after the full credit inquiry, was determined to be accurate by averaging the 3 bureaus. However at that point, they stated they would not be able to provide a HELOC as my score was lower than the allowed minimum of XXXX for that financial product, but they were able to provide me with a refinance for my mortgage. At several points I had confirmed not only that my credit score, but also that I was not interested in a refinance, only a HELOC. This constitutes several counts of fraud to obtain my personal and financial information under false pretenses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A third party company ( Convergent ) claims to be representing an Internet Service Provider ( XXXX ) and that we are past due. Problem is we have NEVER had an account with XXXX. I contacted XXXX, in case they were a company we used to know but under a new name. XXXX assured us we did not owe them anything and did not have an old account with them. 

Convergent is sending invoices by mail with instructions to pay them directly. 

Thanks XXXX XXXX XXXX *Convergent lists their address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA 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 2021-06-15
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX someone hacked my cash app account and pulled {$150.00} from my XXXX XXXX XXXX XXXX debit card. Immediately after, the hacker attempted 5 transactions that were canceled by cash app. The transactions were as follows : To XXXX for {$150.00}, XXXX XXXX for {$100.00} and {$50.00}, XXXX XXXX, and {$120.00} to XXXX were all canceled. I attempted to cash out the money back to my card and close the app before my money was taken but kept receiving an error, I could not get in touch with anyone from cash app and I went to my bank to file a dispute and get a new card which they gave me a hard time. The bank told me they couldn't treat it as fraud until they investigated. The person then cleared the {$150.00} from my cash app with the following transactions XXXX XXXX XXXX XXXX, XXXX, XXXX and a cash out to XXXX XXXX bank in the amount of XXXX. I have never heard of XXXX XXXX cards and I do not have a XXXX XXXX XXXX  account. You can also see from the screenshots where they tried to take more money even after all the money was gone. When I saw the bank denied my claim, I called the branch the reps told me they could not help me and hung up. I took the proof to the branch, they still told me they could not help me. I reached out to cash app via email and received a response stating they had no further information for me and to reach out to my bank. BEWARE of XXXX XXXX XXXX XXXX, I recently found out this happened to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I submitted my Teacher Loan Forgiveness application. About a month later, I received the denial letter in the mail stating that the CAO signature was predated, which it can not be, and that I needed the CAO for all locations served to sign the form. However, the application states that if a CAO at an organization has access to records to verify for all locations, then they are able to do so as long as the other service locations are listed on a separate page, which I had done. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received a denial letter in the mail stating that one of the CAOs was missing a signature and a printed title next to their name. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that the date next to one of the CAOs signatures was cut off ( the last digit in 2023 was halfway missing on the scan ). And that I needed to submit a separate page 1 for all page 2s. I hadnt submitted a separate page 1 in the other two submissions, so I am not sure why that was only mentioned on the third denial. 

On XX/XX/2023, I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that all of the page 2s were illegible and needed to be resubmitted. However, the same page 2s had been submitted 4 times now, with minor changes to fix the errors and not once was it mentioned that they were illegible. When looking at them, they are, in fact, very legible ( attached to this submission ). 

I have reached out to them several times to see what needs to be done to get this taken care of, as it seems that they are simply trying to delay the forgiveness process now that payments have started again. I can not get through to anyone who can answer my questions and I am getting frustrated with this. The CAOs are also becoming increasingly frustrated, as theyve had to fill out the paperwork for me on four separate occasions now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
To whom it may concern Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorized or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( i ) which the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit " Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They all should be removed from my consumer report pursuant to 15 ISC 1681a ( 2 ) ( b ). I am demanding that you remove these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX XXXX XXXX for this one fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened 7 times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.

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 2023-10-06
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation