BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.

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 2022-03-09
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acima and XXXX  are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called XXXX  who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal student loans were originally with XXXX as my servicer then they were transferred to XXXX-my loans now show a {$0.00} balance and no one can tell me what happened. I don't know if XXXX cancelled them-I just don't know what is going on and everytime I call Aidvantage I get the same response, no one can tell me anything. Even when I call my calls are redirected. I want to start making payments but I don't even know what I owe or if I owe anything. I called XXXX and they told me I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ERC
State: GA
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:
ERC states that I do not have an account with them, but yet they are the ones reporting bad information on my credit report. If I do not have an account with you you should not be reporting your name on my credit report. Your statement says I owe XXXX but that is not what is reporting on my credit report. I DEMAND YOU REMOVE ALL NEGATIVE INFORMATION from my credit file. I do NOT have a signed contract nor any contract with ERC. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collection. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has been harassing me about payment for an account I have never missed a payment on. They are handling a account from XXXX that was the result of partial fraud. They were informed of this when taking on the account. XXXX covered the full amount of fraud on the debit card I had with them and my banking account that was associated with it. I in turn agreed to make payment on the XXXX Credit Card. The company agreed to a payment of an amount each month. I have made these payments without issue every single month. And yet I get continously called by them and I only get calls at XXXX or later although I have informed them I do not want to receive calls after XXXX. When I inform them of this they say " if you do n't want calls then find a way to get the amount paid '' I tell them that I do n't understand why I receive calls monthly when I have NEVER missed a monthly payment nor is there a due date set for each month and they state they will just continue to call. The company ultimately has no reason to call or to call later than I have requested and yet they continue to and ignore my request for earlier calls. I can send XXXX XXXX XXXX the statements from XXXX. I should n't be threatened with continuous phone calls for an account I ca n't even make statements without the representative yelling at me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Basically I fell for a scam and the following transactions reflect the money I lost. 

XX/XX/2022 - {$200.00} Through XXXX XX/XX/2022 - {$400.00} Through XXXX XX/XX/2022 - {$350.00} Through XXXX XX/XX/2022 - {$600.00} Through XXXX I already reported all transactions with XXXX. 
Basically someone gave me their bank info to pay off some of my credit cards, the information worked and my balances were 0 on my cards, it remained that way for 2 weeks, then I found out today that it all got reversed ( which is something I did not know could happen ). During the time in between is when I sent money from my checking, believing I was helping the person out and was promised to get it back. This was my first situation of this kind so I am just trying to take all the necessary steps to salvage what I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
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 incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Financial / XXXX XXXX Credit Card Opened XXXX ( Credit Inquiry ) Paid off : XXXX Closed : XXXX ( Negatively hit Credit Report ) I used this store credit card to purchase tires. The vehicle that I had at the time was sold and a new car purchased in XXXX. I have n't needed tires yet, but I will need them in a month or two. I got notification from XXXX XXXX that the account was closed on the XXXX of XXXX. I called Synchrony Financial and asked them why. They said due to inactivity. I have other XXXX accounts XXXX XXXX, etc ) and they have had inactivity on them and they do n't auto close. The representative on the phone said that they can not re-open the account and there was n't anything they could do to help me. I was n't given any notice that the account would close ( not in email or written form ). I do not feel that a financial institution should have the right to negatively affect ones credit without their knowledge. Because I accepted the hit to my credit when I signed up for the card. I however did not accept the hit to my credit when they arbitrarily closed my account without prior knowledge or consent. I do not believe credit card issuing banks should have this right unless it is spelled out in their terms of service or notification to the customer is made.

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 2017-11-06
Company: The Bureaus, 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:
XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX   XXXX  the have wrong dates it even shows still open And XXXX XXXX   card it should not be on credit report I talk to some one when I canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX 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 2021-10-21
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made two purchases from XXXX, one was cancelled ( {$150.00}, Refunded XXXX ) and one was refunded ( {$57.00}, Refunded XXXX ) using my US Bank Debit Card. On XX/XX/2021 both of the refunds were taken out of my account by US Bank by a " Forced Post Adjustment ''. There were no disputes for either amounts and no " Provisional Credits '' were credited to my account. Both amounts refunded were theft/fraud/stolen from my account at US Bank by US Bank . For the past two days I have been on the phone with Customer Service and the Fraud Department for around five hours, being transferred from one department to another, back and forth, and have been by a US Bank branch office and only been able to open a dispute that I do not believe will go anywhere with getting my money that US Bank stole from me back into my account. 

Look at the attached documents. I have all of the proof..

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 2021-06-10
Company: EQUIFAX, INC.
State: MN
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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Unauthorized debits appeared on my checklng account as debit card transactions at JPMorgan Chase in the amounts of : {$350.00}, {$5.00}, and {$2.00}. 
I filed a fraud report via telephone with Chase customer service XXXX # on XX/XX/XXXX after visiting a branch to also report fraudulant activity on my debit card when my catd was cancelled and I received a replacement card. Chase issued a temporary credit on XX/XX/XXXX in the amount of {$11.00} while they researched my claim. 
Yesterday, XX/XX/XXXX I saw the charges has been reserved and contacted Chase via their Customer Support XXXX # once again. I spoke with 3 different representatives all of whom stated that they had verified that my card was in fact used for these transactions And was Chip verified. While my card was not lost or stolen, I adamantly believe that I am a victim of fraud. The descriptions of the 3 transactions were at a building on my college campus that does not have a vending or other sales terminal. I inquired with my school and they advised that they have no record of these transactions and advised me to contact my bank. 
Additionally, I was in class at the time of at least one transaction ( XX/XX/XXXX ) so it is impossible for me to have made the transaction. 
Today, I visited my local branch and spoke with a banker. He advised that the transactions were done at a street vendor. This makes no sense to me since I have not recently been to any street vendors. And, there are not ant street vendors near or around my campus. 
Chase continues to insist that these charges are not fraudulent because they were chip verified and my passcode was used which I find to be outrageous. 
They refuse to consider that someone perhaps stole my information thru a skimming device or similar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX XXXX I Entered in to contract with XXXX XXXX XXXX XXXX of XXXX Arizona to remodel the master bathroom in my home in XXXX XXXX # for XXXX XXXX handling the project is XXXX. The dollar amount of the contract is {$15000.00} and work was scheduled to commence on or about XXXX XXXX XXXX and scheduled for completion XXXX XXXX XXXX contract contains a binding arbitration agreement and the full XXXX of the contract was set up on a Lowes Credit Card XXXX XXXX paid over 84 month period at 8.9 % interest.I made my first payment as billed by Lowes in XXXX of XXXX XXXX I have made 4 payments and am current on payments.The problem is Lowes is not performing XXXX work as scheduled. They did not start work until XXXX XXXX and due to workmanship problems stopped work on the XXXX of XXXX to switch subcontractors. and thus far have completed only the demolition portion and a small portion of the actual installation They have not done any work since and my calls to Lowes only results in promises that have not been kept.I dont think its right for me to be paying interest payments on work that is no where near completion.They have no incentive to catch up and get on schedule.As a consumer I can not seek legal assistance with a binding arbitration agreement and a threatened lien on my home I am defenseless against their glaring contractual default

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 2022-03-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have 2 fraudulent charges saying reversal XXXX XXXX for {$460.00} which overdrafted my account. When i reached out to chase bank fraud department they told me there was nothing they could do and that they had received a phone call with someone who had access to my information and personal details to pass the security questions. Chase bank would not give me more specific details and Chase bank told me to contact XXXX XXXX to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
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:
accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX  is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, XXXX stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.

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 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wanted to use XXXX for internet services, but decided not to use them. Never had the service being billed for. The technician came to set up the service but I declined it, he called them and said we did not want the service. But keep sending bills and emails. Called XXXX numerous times to dispute that I was not paying for something that never got hooked up. Then they sent me to collections.

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