BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I called Pentagon Federal Credit Union ( PenFed ) to complete a vehicle loan application that I had started online. I had started to apply for the loan through their car-buying service, XXXX, so that I could get their low interest rate of 0.99 %. My loan is for {$19000.00}. I made sure that the representative knew exactly what I was trying to do when I called. She was able to complete the loan application, and she told me that I was approved for the 0.99 % interest rate. When I received the loan check, it had an interest rate of 1.89 % on it. Since this was incorrect, I gave them a call on XXXX XXXX. Another representative took a look into it, and she then told me that she was able to make the change to the 0.99 % and that it should reflect on my account soon. I asked her if I should still use the check that I received, even though it had the wrong interest rate. She told me to go ahead and use it. So, I provided the check to the dealership on XXXX XXXX. I waited 2 weeks for the interest rate to change on my account, and it didn't. So, I called PenFed again today, on XXXX XXXX. I explained everything to another representative. After he looked into it, he told me that I actually already had the discounted rate, and that rate was 1.89 %. He explained that I was originally approved for 2.89 % and the discount from XXXX brought it down to 1.89 %. I asked if there was anyway for this to change, and he said no. A few hours later, I called again and explained my situation again. I said that 2 representatives had told me that I should have the 0.99 % interest rate, and both of them told me this before I had given the check to the car dealership. I did not know that I was approved for 2.89 % until XXXX XXXX. I would not have gone through with the loan if I had known the interest rate up front, but I was assured by two different people that I should have had the cheaper interest rate. PenFed is telling me that the interest rate is completely dependent on credit score, which I completely understand. I am upset about the fact that I was told twice that I should have the cheaper interest rate, only for me to find out later that this was not the case. I have looked through all of my physical documentation as well as online, and I have no record of a 2.89 % interest rate. I can only see the 1.89 % interest rate. If I had known about the interest rate up front, I would have gone with a different lender who approved me for a rate cheaper than 1.89 %.

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 2015-11-24
Company: COMMERCE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account through Commerce Bank. In XX/XX/XXXX, we had to make 2 house payments to prepare for a refinance. I knew there was a chance of an overdraft, but was hoping I would have deposits in time to cover it. I 'm self employed and usually can make deposits every MOnday and Friday. My husband has his paychecks come as direct deposits 2 Fridays a month. So, deposits are continually coming in. Unfortunately we overdrafted. However, I was stunned to find out making a deposit in the drive through XXXX XXXX, 2015 that they were going to start putting a 7 day business day hold on my deposits. This would effect EVERY check we had out as overdraft fees piled up. As of that day fees would total {$460.00}, butthey then returned checks on XXXX XXXX and incurred an extra {$36.00} then XXXX XXXX for {$36.00} and XXXX XXXX for {$36.00} and I 'm assuming today they will return the XXXX debit purchases which will cost me {$36.00} plus XXXX deducts an additional {$25.00}. This is effecting my families ability to purchase things for XXXX. It 's put our family under a HUGE financial strain. The local branch told me they could n't lift the hold so I wrote a letter to Corporate on XXXX XXXX, but got no response which is frustrating. I could understand the " hold '' if deposits we made bounced, but that has NEVER happened! I can NOT change banks because of direct deposits and the hassles of changing other bills. I currently ca n't pay my water, gas or electric bill nor buy food for XXXX. I 'm completely devastated because the money is THERE, but they wo n't allow us to use it. And I 'm frustrated because those checks have already cleared the accounts form the people who wrote them to us. So, Commerce has the money but wo n't let us use it and is acquiring MULTIPLE overdraft fees in the meantime. Plus, I now have to pay fees with companies like our XXXX XXXX car loan check that they returned XXXX XXXX. Money was there to cover it and they charged me overdraft fees TWICE on it and I 'll have a fee with XXXX XXXX as well as a late payment now documented on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ], XXXX XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-07-29
Company: Experian Information Solutions Inc.
State: FL
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 following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services

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 2017-02-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Equifax to delete the account asap.

Company response to consumer: Closed
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2021 JPMORGAN CHASE & CO ( SEE ATTACHMENTS ) sent me, the natural person, consumer and Original Creditor proof that they would cease communication with me pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection ; JPMORGAN CHASE & CO did not cease communication pursuant to the previously stated federal law ( SEE ATTACHMENTS ). This means that JP MORGAN CHASE & CO, pursuant to 15 U.S. Code 1611 ( 3 ) - Criminal liability for willful and knowing violation, continued these individual actions willfully if we are looking at the dates each correspondence has compared to when the cease and desist was acknowledged. After nearly a month of back and forth I, the natural person and consumer decided to ask JPMORGAN CHASE & CO for validation of the alleged debt pursuant to 15 U.S. Code 1692g - Validation of debts and was provided the name and address of myself and my address ( SEE ATTACHMENTS ). JPMORGAN CHASE & CO has also sent proof of receipts with statements in a positive balance, which aides in confirmation that a consumer credit transaction took place. I took the time out to learn these laws and that caused my partner and I to argue more of money needed in the household to pay alleged obligations arising from consumer credit transactions and ; 15 USC 1692d ( 1 ) ( 2 ) - Harassment or abuse to suggest or assume that an attorney denies representing me, a natural person and consumer is an oppressive statement to which I deem obscene and damaging to my reputation ( SEE ATTACHMENTS ). Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information the symbol in the documentary evidence gives me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & CO has never given me cure or relief so why would I associate this symbol with anything other than debt collection? Prove me wrong. I have tried to resolve this complaint however I am of tired of being unheard and passed around from one department to another, as a deflect responsibility ( see attached ). After my investigation, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2021-07-29
Company: ALLY FINANCIAL INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX  and XXXX. 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 2021-07-29
Company: Bread Financial Holdings, 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:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
collection agency had my phone number, but called my wifes phone multiple times on the same day. she attempted to speak with them, but they would n't reveal the purpose of their call and continued to ask her for information about me. after I called them and requested to file a dispute ( because the original charge from XXXX was not valid ), they indicated they corrected my number and would stop calling while in dispute. 5 hours later, they called my wifes phone again. when I called to complain, they said they had no record of the call, but did show my wifes number was attached to my account and could offer no assurance that system would stop dialing here. 

they only had the account for 4 days and had already called 5 times in one day ( the 5th time being after I talked to them ), and did n't even call the primary number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Pacific Union Financial, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.

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 2016-10-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax by certified letter ( return receipt ), by filing disputes online, and by calling on three occasions to no avail regarding hard inquiries on my report which were never authorized by me. Equifax has reported incorrect names, incorrect addresses, and multiple hard inquiries that are fraudulent despite my written and verbal notification. They have sent me a final response stating the report they have on file is accurate. In accordance with the FCRA, they must remove information that is not accurate and was not submitted/used to obtain credit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX and XXXX XXXX XXXX are on my credit reports. the problem is they both say different amounts and limits. I sent them each debt validation letter, have not recieved anything from XXXX but they extended sol to XXXX. It seems funny that portfolio sol is XX/XX/XXXX.Did recieve doc from XXXX, just what credit report says. Trying inprove credit, these were long ago. Just do n't remember.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN fails to remove the XXXX account. EXPERIAN reports that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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