BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been 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 2023-02-11
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2021-09-07
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I believe that Pentagon Federal Credit Union is in violation of USC 1026.53 in how they apply payments in excess of the minimum and in the last 2 months of a promotional balance transfer. They are saying that 1026.36 doesn't apply when the clear language of 1023.56 shows that it does apply. Specifically 1023.56 B1i states that when Accounts with balances subject to deferred interest or similar program are used, then " The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; or ''. 

Pentagon Federal is saying this rule does not apply to 0 % interest balance transfers and are refusing to apply the payment to the transfer that ends on XX/XX/2021 and are, instead, applying them as percentages of the 3 transfer amounts. This is making it IMPOSSIBLE for me to pay off the XX/XX/2021 balance transfer before it starts accruing interest. 

They only tell me their " lawyers '' say they are doing it correctly and will never address my specific question related to 1023.56 above.

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 2017-06-24
Company: JPMORGAN CHASE & CO.
State: FL
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 cash advances

Complaint:
Inquired about a cash advance XX/XX/XXXX.
Chase policy is max 20 % of credit line which {$25000.00}. Was told that I had an advance back in 2014 ... .for around {$4000.00} and wasn, t eligible for another one  because my balance was still the same.
my min due each month has been around {$300.00} ea month and I ALWAYS pay more than min due ... {$500.00} currently.
Why hasn, t my cash advance balance been reduced along with my purchase balance since I always pay over and above the min due each month?
Cash Advance interest 25 % / purchase charge is 12 % ... .I feel like a cash cow for Chase or the gift that keeps giving since I pay 25 % interest each month on a Cash Advance balance that NEVER reduces regardless how much I pay above the min due each month! THERE IS SOMETHING WRONG WITH THAT PICTURE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
I have a car loan through Santander, they have repossessed my car XXXX times which led me to file bankruptcy because they will not work with me, the car has a negative equity of XXXX and they are asking for the full amount to be paid which changed from XXXX to {$13000.00} I really need my car and help resolving this issue they picked up the car recently XX/XX/22 and they will not accept payments. They are getting over on thousands of people I really just need my car back the rep I spoke to told me I have XXXX weeks to come up with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was a victim of blatant predatory lending by Credit Acceptance Corporation. They charged me 22.99 % interest for a car loan, which is very high but due to my less than ideal credit and not understanding the contract I signed. Later while working with a Financial Coach at a non-profit we looked at my loan and vehicle. He pulled the XXXX value on the vehicle and we found that the vehicle with a clean retail is only worth {$5700.00}. I paid {$9100.00} for the vehicle and by the time the loan is paid I will have paid {$19000.00}. A lender should not give a secured loan for a vehicle to a customer with less than perfect credit ( or anyone ) with almost a 160 % LTV. The whole transaction is predatory but the aspect of the lender giving a loan for 160 % of what the vehicle is worth is the aspect that seems completely unlawful and undeniably predatory.The loan was signed in XX/XX/XXXX, and we pulled the XXXX value ( bluebook value ) on XX/XX/XXXX only 6 months later. The car would not have depreciated in value very much in those 6-months, especially with an already older vehicle. We used the millage of the car when it was bought in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2021-08-21
Company: Experian Information Solutions Inc.
State: AZ
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, MD XXXX ( XXXX ) XXXX XXXX. The provided address and phone number listed above is False information and several certified letters were sent to all parties, explained during XXXX XXXX. 

2. The account was paid in full by the VA department due to military service-connected. 

3. After a serval telephone conversation with the parties : Experian, XXXX, and the damage caused by The U.S. Treasury wrongfully Offset from XX/XX/XXXX - XX/XX/XXXX, in a total of ( 9 ) overpayments = {$1500.00} ( which is beyond the initial payment of {$1100.00} ) 4. A few certified letters were sent to notify them of their wrongfully neglected, and nothing was done by them. 

5. The attorney initiated litigation in Federal XXXX Court, for punitive damage.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy XXXX XXXX Discharged 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 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last year in the year of XXXX in XXXX I noticed that my credit card was not being reported. Capital one verified that it wasnt being reported and I spoke with someone from XXXX XXXX who then went and removed the credit card off my credit report all together. Im making on time payments and it is not being reported because its not on my credit anymore. I have two credit cards with the company. It would be the account opened in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-04-22
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The CCS Collection Agency has a debt of {$520.00} on my credit report. I have not been properly verified that it belongs to me. I have sent them a pay to delete letter on XX/XX/22. I have not heard back from them. At the time i didnt know if the debt doesn't belong to me then i don't have to pay. Now knowing this information i no longer want to negotiate until the debt is verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So, bank of america charged me {$35.00} for three times and it's on XX/XX/XXXX 2 times and on XX/XX/XXXX. That comes to a total of {$100.00} and when I called the bank they said that they couldn't taken off the fee and I tried to explain my situation here that I didn't do those transactions and that is why when my balance were already low, and the transactions amount are higher than my balance, then BoFA charged 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 2022-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon returning to the US after a trip abroad in the Fall of 2022, I began to receive multiple calls about a {$200.00} payment that was claimed I owed to XXXX. 

My account with XXXX has always been on auto-pay, so I accessed my account information to verify that all payments had been made and that no additional payment was owed. All payments had been made and my XXXX account showed no amount due. 

The calls kept coming. 

Worried about possible scam and theft connected to the possibility that my financial information might have been compromised while I was overseas, I stopped taking the calls from the " company '' claiming that I owed them {$200.00}. 

Approximately 2 weeks ago, I was notified by mail by Convergent Outsourcing that my lack of payment had been turned over to collections. Shortly after that, I received notification from XXXX of the same thing. My credit history was changed to show a new account opened by Convergent Outsourcing and my credit rating was reduced as a result. 

I spent yesterday on the telephone with multiple call center representatives at XXXX and found that there was no amount owed as claimed by Convergent Outsourcing. When I tried to contact Convergent Outsourcing by telephone, they let me know that they were closed for the day ( yesterday ). 

Prior to calling Convergent Outsourcing, I had accessed their website and tried to start a complaint using that method. I provided contact information including my email address and pressed " XXXX. '' When I did so, the only change to the screen was a notification in red stating that I had provided an incorrect email address. I had not, it was correct, but the screen never changed. 

To my surprise, I received XXXX ( XXXX ) emails from XXXX overnight letting me know that the dispute I had initiated yesterday had been culminated, the issue resolved, and my credit rating restored. Again, it all happened overnight and after Convergent Outsourcing let me know that they were closed for business for the day. 

This is nuts. Had I not stayed on the phone for hours with call centers in multiple locations and then trying to submit information on what appeared to be a non-responsive website with Convergent Outsourcing, this issue would still be pending. 

It just looks way too easy to extend a false claim all the way from initial contact to credit report impact if this is how simple it is to resolve what turned out to be a false claim. 

So, what happens to Convergent Outsourcing for submitting a false claim? Will they pay me for my time to correct their mistake?

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 2022-04-22
Company: BANCO POPULAR DE PUERTO RICO
State: VI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Notice : Banco Popular XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have issues with the bank above. On the following description dates below. Here is the items, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I consumer discovered Fraudulent Activities on my Checking and Saving Account. Banco Popular Bank Failed and Refused to Disbursed my Funds for Payment to all my monthly merchants Account. It caused me the consumer high charges and late fees. I consumer tried to Resolved dispute with bank above. They Failed and Refused to work a Relationship with me the consumer. Notice it caused me Financial Reputation the bank informed and instructed to others companies that i consumer do not have funds in my Account which I do by a volume of deposit slips to show. Debit Cards was deliver out in my name without my Consent and I am a Senior, Victim of Identity Theft and ABUSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received a letter, dated XX/XX/2023, from Chase bank regarding my account being flagged for fraud after digital depositing a {$2400.00} check from XXXX XXXX XXXX from my step mothers life insurance policy. 

The first call they asked for me to provide the number for the issuer, in which they werent able to get a response. We tried again on XX/XX/XXXX, in which the fraud department representative did get verification from the issuer and verbally told me that the Check has been cleared and account has been taken off hold. Later that evening I checked my account to find all of my funds have been taken out of my account. The following day, XX/XX/XXXX, I called regarding why my account was closed and they explained that according to their notes the previous days conversation never happened, they failed to collect funds, and didnt have any picture evidence of the check being deposited even though the pictures were attached to the deposit on my account before it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chex Systems has me in there Chex System in which I don't owe XXXX XXXX any money and Chex Systems has me in there system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
company has written account as charge off in the amount of {$640.00}. contacted company to have the 1099-c forum sent to me company refused. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law. 

I am also requesting that the company send me the " ORIGINAL '' contract copy with my signature I am also requesting that this company send a copy of the payment history, as well as the " ORIGINAL ' address of the " ORIGINAL '' creditor and I am also asking for proof of collection authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am in the process of buying a house and I would like to file a complaint against these below due to defamation of character and my livelihood. Furthermore, it is against the law with law 15 USC 1681. 

Hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXX- charge off capital one- charge off XXXXXXXX XXXX XXXX- agency name ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- agency name ( XXXX XXXX )

Company response to consumer: Closed with explanation