BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Convergent Resources, Inc.
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: Account information incorrect

Complaint:
As of XX/XX/XXXX the account with the creditor I.C. XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor Convergent/XXXX  stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with Convergent/XXXX  . I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my XXXX credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law XXXX was suppose to inform me that something was about to go on my credit in written form. Never received that. Second Convergent/ XXXX has yet to validate this debt but XXXX allow them to place a Collection account on my credit reporting report. XXXX failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.

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 2020-05-05
Company: Global Lending Services LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to medical and covid-19 related issues we are unemployed without an income. My wife is a senior citizen. Global Lending Services repeatedly calls my wife and I on a daily basis including weekends. They start calling one day after the due date and continue calling on a daily basis. When they call they never verify who they are nor ask us to verify our information. They only state they are calling to collect a debt. We have informed them numerous times we have no income and would contact them or pay them when we can. More than one representative said they would provide us with only one month extension but have failed to send us the forms. My wife and I are tired of being harassed on a daily basis. We understand our obligation, but the repeated harassment is unnecessary. We have never been 30 days late or behind on payments. Another lender we have gave us 4 months extension with us informing them of our situation. Global Lending Services initially denied us any extension unless we paid them money we didn't have. It wasn't until we filed a complaint with the XXXX XXXX XXXX  before they offered us one month extension although they have failed to send us those documents to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit act XXXX Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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 Account # XXXX, Has violated my rights. 
15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

18 USC 894 - NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-05-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I completed an auto lease with Kia Motor Finance ( via Destination Kia in XXXX, NY ). I thought all was fine, until in XXXX I received a letter from Kia Motor Finance saying that I was {$350.00} delinquent for a last payment that I owed. I immediately called KMF and was told if I paid that debt that day it would not be reported as late to the credit bureaus. 

I did pay it that day, in full, and again thought all was fine. The next month ( XX/XX/XXXX ) I viewed a couple credit scores to see that my score had dropped over XXXX points. I pulled my full reports and saw that KMF did in fact report me as delinquent despite having paid the obligation in full. I at that point also filed a dispute with Kia directly and a month later I have not heard back. I have tried to call their collections and customer service departments and with both numbers get a message saying " this number is not working at this time. '' I also filed disputes with the two bureaus where this shows up XXXX XXXX and XXXX XXXX and XXXX told me as of XX/XX/XXXX KMF still says its an outstanding debt and open line. So I now have two months worth of erroneous delinquent payment marks on what was stellar credit before. 

I don't know where else to turn -- neither KMF nor the bureaus are willing to help. I have fulfilled the obligation and want this off 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 2020-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 I checked my bank account balance to see what had posted for that day. I was negative {$130.00}. Due to my dog having XXXX and health issues, i had not deposited my checks into the bank as I normally would have. I deposited a same day check, XX/XX/XXXX for {$150.00} that would cover all of the transactions for that day without aquiring a fee. I took photos at ( XXXX ) of the balance, transactions and of the deposit for proof that I had covered the negative amount. According to Bank of America the business day ends at XXXX. 
On XX/XX/XXXX at XXXX in the XXXX  I received an alert that my bank account had insuffcient funds. I went online to see what happened and a check ( # XXXX ) in the amount of {$71.00} posted XX/XX/XXXX, cleared XX/XX/XXXX. 
I immediately called the bank and I was told that one of the pending transactions on XX/XX/XXXX had bounced from this check ( # XXXX ) being completed on XX/XX/XXXX. I repeatedly explained that the check was nowhere to be found on my list of transactions on XX/XX/XXXX and if it had cleared on XX/XX/XXXX why wasn't it on my list of transactions for that day? I called 3 times and even stopped at a branch to show my photos as proof of the transaction not posting XX/XX/XXXX just to be told a XXXX transaction had bounced due to the negative amount for XX/XX/XXXX. I said I could understand that if on my end, all of the transactions were available to see. I was also told the check could have cleared anytime in the middle or the night and that it was my responsibilty to have the money in the account. TRUE if it would have been posted on my list of transaction for XXXX XXXX. I would have made sure to deposit my other check in the bank that was at home. But it was NOT on my list of transactions for XX/XX/XXXX nor was it included in the negative balance. After countless calls and even stopping at a branch, they refused to remove the fee. 
How can a bank charge you a fee for a transaction that is not even listed in your transactions as one that was completed for that same day?? It actually showed up on XX/XX/XXXX as a transaction that had cleared in XX/XX/XXXX. HOW??? 
I took picturea due to this happening in the past and after this is situated I will be closing my account at Bank Of America. I was contemplating it anyway due to their new monthly fees. I am a low income person so I have to pay a fee to have an account. Ridiculous and now they can charge fees for ghost transactions that appear online the next day. This should be fraud and illegal. They think they can take money out whenever they want and not post it for you to see? WRONG VERY WRONG!!! I have been a customer for many many years and I hope {$35.00} was worth it to them. They are crooks!!!

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 2020-09-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/20 I did a balance transfer of {$9800.00} with Citi Diamond Preferred Card for 18 months 0 apr with a balance fee of {$290.00} I got a bill in the mail. There is a minimum payment due for $ XXXX/month. If minimum payment is not paid, a late fee of {$40.00} is charges. Multiple late payments may cause my 0 apr to increase to 29.99 % In the past balance transfers, I dont remember if there was a minimum payment at all.

I think Citibank is taking advantange of the current situation of people having financial difficulties due to pandemic. I think this minimum payment is way too high and the penalties are even worse. I dont believe this practice is fair.

Had I known this minimum payment was going to be implemented at this level, I would not have done a balance transfer. I feel I may be worst off for this balance transfer than if I didnt do it in the first place.

Thanks

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 2020-02-12
Company: ProCollect, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection for a person called XXXX. I've told them no person named XXXX has ever worked for this company. Keep calling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe {$1700.00}. How I could owe {$1700.00} when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I have been using my American Express Business Rewards Gold Card for nearly 3 months and have met the spending requirements to meet the promotional bonus. My Membership rewards was under review for nearly 2 months to make sure I have met spent requirements. I have spent well over 5000 dollars on this account and I am requesting my membership rewards bonus to be put into my account. I have been told a number of things from various representatives from XXXX and I am very disappointed. Thank you for your time reviewing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2021-06-24
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021, XXXX mailed a refund of {$730.00} to PNC Bank at XXXX XXXX XXXX in XXXX, PA, for my auto loan. The check was received on XX/XX/2021, and clearly indicated that the check was for the auto loan in my wife 's name ( XXXX XXXX ). However, PNC return the check on XX/XX/XXXX because they were " unable to locate '' the loan. XXXX is now re-mailing the check to XXXX XXXX XXXX in XXXX, PA, with the account number included on the check. However, my wife 's name should have been plenty enough to locate the loan, so I demand the payment be retroactively applied to XX/XX/XXXX with respect to interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: NJ
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-17
Company: Experian Information Solutions Inc.
State: TN
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 student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.

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