BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit 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 reported that my Bank of America credit card, generally used by my son XXXX, was lost or stolen in early XX/XX/2023, with the result that the card was used by an unauthorized, unknown thief to make multiple charges over the course of the month, totaling {$1300.00}. The first fraudulent charge was made around XX/XX/XXXX and they continued throughout the month of XXXX, generally in small amounts of {$20.00} to {$40.00}, resulting in the final amount of {$1300.00}. All or nearly all of the charges were from XXXX, XXXX, where my son had visited in early XXXX but left to meet us in XXXX on XX/XX/XXXX. He did not report the card as lost until I noticed the fraudulent charges near the end of XXXX, at which point I immediately notified Bank of America. They started a claims and published a " resolution letter '' on XX/XX/XXXX stating that XXXX, unfortunately, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' But as I stated, the credit card was lost or stolen as of early XXXX and the charges were not made by anyone who was allowed to use the card.

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 2021-11-10
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Wed XX/XX/XXXX THIS LOAN SHARK HAS RUINED MY LIFE FOREVER for something I don't owe They have been sued multiple times for over $ XXXX by the Attorney General in Massachusetts for their Bad Business practices -- -- Reporting FALSE information on people 's Credit Files REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS XXXX PAST DUE as of XX/XX/XXXX You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 

It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX XXXX for which your Company received a PAYOFF in the amount of {$7600.00}. 

XXXX Claim Reference # XXXXXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Credit Acceptance 's derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally 1 ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) 2 ) Inability to obtain a reasonable Interest Rate on a Car Loan 3 ) Inability to obtain a Mortgage Loan 4 ) Inability to obtain ANY KIND of Credit Card 5 ) Inability to gain employment ( Executive Level position ) due to Low XXXX XXXX XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my XXXX Scores a. I have attached copies of my Emergency Room Visits and the related Costs 7 ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT ) 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 2021-12-09
Company: Convergent Resources, Inc.
State: OK
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:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!

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 2020-08-13
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently had fraud done to my acct. I purchase 2 XXXX. the first on a web site call XXXX XXXX {$150.00} XX/XX/2020 & the other off XXXX XXXX {$130.00} XX/XX/2020. Cash app states on there portal that if we detect fraud being done to contact them immediately. I did everything they asked me to do even requested the refund from the 2 people who I made the purchase with. The first guy he never responded leaving the acct in refund status and the other guy decline immediately. I sent all supporting documentation to cash app only to get the run around. I then tried to dispute the charges with my bank only for them to tell me they do not assist with 3rd party payers. I then contact each web site I purchase the items off. XXXX XXXX & XXXX XXXX. let go said they do not assist with refunds and offer up said because I used a 3rd party payer they can not assist me. I then contact Cash App through the portal. After numerous email back & forth I finally asked for manager to speak to the rep by pass the question and gave me am automated response. I have all email trails to support this as well. I have been going back an forth with different reps only to get the same responses. I am out of {$280.00}. Someone is responsible for this. Cash app ask for SS # and a physical address. They need to go after the people who committed this crime. I know if this was my bank they would have refunded the money and went after the people who did this. I need help in this matter. So far I have did a police report, contact XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX. I wish I did my homework before using the app. I know they created this for a good purpose but there are people making it bad and nothing being done about it. I feel they are supporting the crime because the accounts are still active and running. This is not right and something needs to be done. Due to all the bad reviews I have seen on different web sites I have unlinked and deactivated the account at this time due to people have money disappearing out there acct. I can't chance loosing money. I work hard for my money and for them to allow this behavior and not crack down. I think it need to be shut down for this reason. Please let me know how I can go about getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle with US Auto Sales in XX/XX/2022. I received a letter from a company called Westlake Portfolio Management stating that I were to start paying them for the auto loan. Later I noticed that Westlake was placed on my credit making my score drop by about 60 points. The amount that was reported to the credit bureau is the same amount of the original loan with US Auto Sales. I was advised by Westlake that they didn't honor the extended warranty purchased with US Auto Sales. My car was repossessed on XXXX by Westlake who is not a lien holder on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2020-08-13
Company: REGIONS FINANCIAL CORPORATION
State: GA
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 a loan with XXXX, REGIONSBANK, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, REGIONSBANK, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: WA
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 Experian still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX  this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law

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 2023-09-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to PENTAGON FEDERAL CR UN. In my credit report from XXXX XXXX XXXX, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-14
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Throughout XX/XX/XXXX, Loancare/XXXX  contacted me daily to remind me that my forbearance period, under the CARES Act, was ending and that I would need to resume my regular monthly mortgage payments ; the documented end date of which was XX/XX/XXXX ( see attachment 1 ). I resumed paying my mortgage payment as requested via check dated XX/XX/XXXX ( that Loancare/XXXX  processed XX/XX/XXXX ). Upon applying for my partial claim loan afterwards, I was told by their representative ( XX/XX/XXXX ) that I did not have to make the payment that they had been relentlessly requesting daily for the entire month of XX/XX/XXXX. The FHA COVID-19 Partial Claim documents sent to me via Loancare/XXXX  ( dated XX/XX/XXXX XXXX stated that the sum of the partial claim ( {$11000.00} ) would be for monthly payments during the dates of XX/XX/XXXX through XX/XX/XXXX. [ note the partial claim loan is for months beyond the original XX/XX/XXXX forbearance end date ] ( see attachment 2 ). 

So, as noted above, LoancareXXXX requested a partial claim loan beyond the period of my forbearance, after doggedly instructing me to make a mortgage payment immediately after the stated forbearance end date, i.e. XX/XX/XXXX ( which I complied with ). In essence, LoancareXXXX , incited the paying of an unwarranted extra mortgage payment, that they, in turn, used in a way that I did not authorize. They refused to credit this payment as a normal monthly mortgage payment when requested, despite already having funds to cover beyond the entire forbearance period via the partial claim. Furthermore, according to my recent mortgage statements, this XX/XX/XXXX payment was applied in such a vague and nebulous way, that LoancareXXXXXXXX own employees could not identify and explain how the payment was utilized ; for example, when asked about this, I was told by 2 agents that this extra payment was applied entirely to my principle ; something that I did not request or intend it to be used for. Again, upon examining my recent statement ( s ) from XXXX, XXXX, XX/XX/XXXX ; and a requested record of my account history from LoancareXXXX  ( see attachment 3 ) ; these documents give no indication of my mortgage payment of {$770.00} being applied, in its entirety, to the principle. When I called them again ( XX/XX/XXXX ) about this, an agent admitted that the payment was not applied to the principle as initially stated ; showing that even they were having great difficulty understanding their own calculations, statements, etc regarding this payment. With millions of people having gone into forbearance during the pandemic, I cant even imagine how many people this has no doubt happened to ; they should be given fair warning.

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 2023-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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.SXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Nelnet, Inc.
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: Their investigation did not fix an error on your report

Complaint:
My Dept of Ed/Nelnet student loan account has been paid in full since XX/XX/2023. I uploaded documentation to Consumer protection bureau site. XXXX is REFUSING to show my nelnet student loans as showing paid in full even with the proof provided. They have 5 days to show all of these accounts with XXXX balance paid in full and close. Or I am seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Ladera Lending, 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: Credit inquiries on your report that you don't recognize

Complaint:
Ladera Lending run my credit without my permission ; after reaching out to them on XX/XX/2021 asking why they run my credit and now i have a hard inquiry on my credit report and they should remove it. Ladera still haven't remove from my credit report ; there respond was could have been a system malfunction and they're not sure how an email was generate and send over with my rate turn have them to assume i want to start the process again of refinancing my home which was denied back in XXXX of 2021. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I deposited my school check and when it came available on XX/XX/2023 I tried to transfer the funds out and they stop my transfer and closed my account. They told me I couldnt get my funds unless I verify myself even if they closed my account. I just want them to send my funds in a check since they close my account for no reason. So they also said they will keep my funds even with my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
United Collections Bureau Inc. ( UCB ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The XXXX XXXX XXXX Card ( XXXX XXXX XXXX XXXX ) not only permitted the purchase but also charged off the debt through the IRS. UCB Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXXXXXX XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of XXXX, UCB 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 UCB 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 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation