BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I got an American Express Server Prepaid Debit card based on the great things my husband said about them as an alternative to regular banking. I was planning to use it for some bill paying, and as a way to keep a little side savings account, with liquidity options in case an emergency might rise and I 'd need cash ( my bank has very small limits for our debit cards ). I 've seen my husband use his once when we were on vacation and wanted to buy some local crafts whose vendors would only accept cash, and he showed me how the Serve Card lets you withdraw {$750.00}, which is almost three times more than my bank debit card allows ( we live in a small town, and use a local independent bank, well, credit union really. I had n't used it that much, but began using it a few months ago, when, much to my surprise, they all of a sudden told me my card had been canceled, and not two days later my husband 's was canceled as well! He called American Express and spoke with someone, who told him that his card had possibly been involved in some fraudulent activity, and so his card had been shut off. He can describe it better, and he just submitted a claim for his card as well. I was too upset to call them, I had almost eighteen hundred dollars on that card! We had to borrow some money for our vacation last week due to the money that Amercan Express is withholding from us, and we most certainly did n't commit any fraudulent activiy with our usage of our cards! He ( my husband ) says we should contacty you and your agency to get help with at least getting our ending balances back. I 'd like them to re-instate my card also, how long does it take to find nothing? Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft, in which I've contacted the XXXX  and Equifax of such, but the bureaus failed to block the charged off XXXX XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I checked my credit report and found some inaccurate fraudulent information regarding this company. The address that is associate with this account I never lived there and the dates that these loans were taken out, I was not in school!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.

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 2017-08-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.

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 2019-03-18
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEE ATTACHED REPORTING ON CREDIT REPORT THIS IS NOT MY DEBT. 

THIS IS OFFICIAL DEMAND LETTER TO REMOVE FROM MY CREDIT REPORT IMMEDIATELY AND STOP CALLING MY WORK AND HOME Disputed through XXXX XXXX. Debt is not mine. Debt Collectors continue to call me at my office and home harassing me at work and late at night. They are also falsely reporting collection on my Credit report. Let this serve as official demand letter to remove from 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 2017-08-06
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: Account status incorrect

Complaint:
XXXX, XXXX, TRANSUNION are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.

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 2019-03-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company was extremely rude during my communications with them. I'm sure they will say their notes don't reflect this as this is what I was told while attempting to pay this debt and getting the run around while trying to do so. I do not ever have to deal with this type of company as I pay my debts on time. This one, in particular, slipped through the cracks during a divorce if memory serves me and being treated the way this company treated me is uncalled for and extremely unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
A check was cashed using a mobile deposit into a sole and private account that had two names on the front of the check. Two names that states jane doe AND john doe. The check required two signatures to be cashed as it was made out to two people. The depos was made and put into the a single account not a joint account with only one endorsement on the back of the check. The other party did not receive half of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The bank chime I signed up for a credit builder soon as I signed up for credit builder they started transferring without my permission the money I was putting into my regular checking was automatically getting transferred to the credit builder to a secured account that only they can touch and not me and this went on until I caught it and they have not done nothing for me Im not giving my money back they stole my money there is Adjustments for no explanations and my money just gone it doesnt add up to the withdraws to the deposits nothing adds up Just negative results and my money is out of sight

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX wrote letter to XXXX regarding an interest charged, and talking to customer service representation who told me they would charge interest on top of interest if not paid that day. 
XX/XX/XXXX received form letter back from them did not answer any of my questions XX/XX/XXXX called again about interest I was charged on a paid off account and was left on hold XX/XX/XXXX called again and was told I was on a fixed loan, which I never signed up for. Would not let me talk to anyone to get my interest money back ; XXXX told me that she would not escalate the call to her boss XXXX. XXXX hung up on me because I begin to ask a lot of questions she could not answer. 
XXXX has some how found a loop hole to charge the interest to people by changing the due date and cycle dates so that interest. 
As a customer this is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: VW Credit
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:
On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from Volkswagen XXXX for an Audi XXXX XXXX. The outstanding balance was XXXX which VW told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, VW reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX XXXX XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by VW for the Account # XXXX. I reached out to both XXXX and VW, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am a military unit commander. On XXXX XX/XX/2019, I received a complaint from XXXX XXXX XXXX that a member of my unit failed to pay an amount owed. I receive these letters, containing private financial information, on a regular basis. This is a blatant violation of the law and is still allowed due to DOD Financial Management Regulation Volume 7A, Paragraph 430505, as stated in their letters. 

Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Two hard pulls on my credit were taken by " XXXX XXXX '' and " XXXX XXXX '' unknowingly. I am not knowledgeable of this accounts and there are credit freezes on all 3 of my reports. Tried to dispute through Transunion, the website does not work at any capacity. I also discovered the creditors phone number which is Transunion. No help whatsoever. Dozens of others are struggling with 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 explanation
Consumer complaint received 2021-04-06
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent outsourcing is trying to benefit from my identity without my consent an I do not know them and have never done business with them. I ordered my free credit reports an seen that they are alleging that I owe them XXXX dollars. I do not owe Convergent Outsourcing XXXX anything and this is a written refusal to pay. I have never gave them hand written consent to furnish anything on my consumer report. Also during the initial communication they never gave me the 5 thing I need pursuant to 15 usc 1692g validaon of debts 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 explanation
Consumer complaint received 2019-03-18
Company: JPMORGAN CHASE & CO.
State: NY
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, as the result of poor service and poor information from my personal accounts manager, I decided to rollover my IRAs ( traditional, XXXX, XXXX ) from the XXXX XXXX, XXXX XXXX, New York branch of Chase to another bank in XXXX XXXX  ( XXXX ). 

Three checks were given to me without guidance or information. When I brought the checks to XXXX XXXX  in XXXX XXXX, I was advised by the banker there that IRS rules permit only one rollover per year ( with a hefty penalty for any other rollovers executed that year ). 

At that point, because the three accounts at Chase had been cancelled, I only had one option : to roll over one of the accounts and to effect a trustee-to-trustee transfer for the remaining two retirement accounts, which Chase executed on XX/XX/XXXX. 

At that point, I was charged {$560.00}. ( penalties incurred because the two transferred accounts had been in long-term cds ). I had been encouraged years ago at Chase to place the accounts in long-term cds and was told that at my age ( I am now XXXX years old ), I would not be penalized if I removed the funds. I now understand that the rules about rollovers changed some years ago. 

Because of poor advice ( actually no advice ) at Chase, I found myself in the position of being charged {$560.00}. for the incompetence and, I, suspect, indifference at the hands of Chase employees. 

I have spoken and/ or written to various people at Chase : the bank manager in XXXX XXXX , New York ( letter sent XX/XX/XXXX ), a vice president in Retirement Services ( letter sent XX/XX/XXXX, and the Complaints Department ( letter sent sometime in XXXX ). The bank manager said she had sent my letter of complaint to her supervisor. 

Thus far, I have not received any answers from any of those I have contacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting me 120 days past due on XXXX - partial account number XXXX. XXXX is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: The CBE Group, Inc.
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 requested a Waiver of a DOD Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted XXXX XXXX XXXX XXXX XXXX & made them aware of this situation to no avail. Please rectify this for me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

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 2020-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account reporting on my credit report that I have no knowledge of. I contacted XXXX XXXX to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX A low mileage short-term lease is treated the same as a high-mileage long-term lease for " excess wear and tear ''. I worked with a representative on XX/XX/2020 for 1 hour and 16 minutes. The rep admitted that the charges for excessive paint chipping on the hood and bumper only a ploy to trick consumers into getting another lease. They offered a waiver for the " excessive damage '' and said that it was applied to my account. I replaced the parts that were broken as listed on inspection. I received a bill for the full amount including the parts that I replaced. I tried to reach out to NMAC. I was told that I had 90 days to pay and that the waiver was in process. One day later I was told there was never any waivers and that I have one week to pay or they will turn me into credit collections.

Company response to consumer: Closed with explanation